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Full text of "Twenty Ninth Massachusetts Life Insurance Report, 1884"

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PUBLIC DOCUMENT. No. 9. 



TWENTY-NINTH ANNUAL REPORT 



OF THE 



Insurance Commissioner 



Commnttfoedtjj of llJassatjrasdts- 



January 1, 18 84. 



Part IL 
Life, Casualty and Accident Insurance. 



BOSTON : 

WEIGHT & POTTER PRINTING CO., STATE PRINTERS, 

18 Post Office Square. 

1884. 



■iABSACHiJfc 

HOUSE.; BOSTON 



8 



^, 



TABLE OF CONTENTS. 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

Page 

Introductory, v-xxv 

Examinations of Foreign Companies, vi 

Corporate Suretyship and Real Estate Title Insurance, . . . viii 

The Color Line in Insurance, x 

Valuation of Life Policies. Reserve Standard, .... xii 

The Massachusetts Life Companies, xiii 

Assessment Assurance. What it is, xiv 

Massachusetts Assessment Societies, *, xvi 

Assessment Assurance Legislation, xviii 

Summary of Assessment Associations, ; xix 

Life Insurance. Its Perils and Safety, xx 

Economy in cost of Life Insurance, . xxiii 

Reports of Examination of Life Insurance Companies, . • xxvii-xliv 

Statistical Tabulations, Ratios, etc. (Regular Life) , , . . xlv-lxix 
Table A. — Summary of Income, Expenditures, Assets, Liabilities, 

etc., xlvi 

Table B. — Ratio of Real Estate and other Investments to Gross 

Assets, . . . xlviii 

Table C. — Disbursements in Detail, lii 

Table D. — Ratio of Expenses to Mean Amount Insured, . . lvi 

Table E. — Ratio of Net Assets to Computed Premium Reserve, . lviii 

Table F. — Claims by death in 1883, with Ratios, etc., ... lx 

Table G. — Policies Issued, Terminated and Gained in 1883, . lxii 



iv TABLE OF CONTENTS. 

Page 

Table H. — Classification of Policies and Insurance in force, . lxiv 

Table I. — Policies Ceased in 1883,with Mode of Termination, . lxvi 

Table J. — Massachusetts Business, 1883, Ixviii 

DETAILED STATEMENTS. 

Massachusetts Life Insurance Companies 1-31 

Life Insurance Companies of other States, 33-143 

Accident and Casualty Insurance Companies, .... 147-163 

Fkaternal Aid and other Mutual Benefit Associations, . . 167— 2c>'2 

Summary of the Business of Mutual Aid and Co-operative Associations, 263 

Table 1, Assets, Income and Expenditures, 264-269 

Table 2, Certificates Issued, Ceased and in Force, with Massa- 
chusetts Business, 270-275 

Life and Accident Companies of other States, with Amount of 

Business done by each, 278-284 

List of Agents and Sub- Agents authorized to act for Life and 

Accident Companies, 286-293 



(!TommonU)c;ilth of IHassatbuaetts. 



u^i kvnit Department, June -, issi. 
s ■•'■■./ House of Rt'prt'$ent€UiV*3i 

This, the Second Tart of the Twenty-ninth Annual Report 
o( the department, relates to the several branches of insur- 
ance other than Fire and Marino, and exhibits the transac- 
tions and financial condition of the companies engaged 
therein for ami at the close of the year L88o. 

The authorized life companies are the same as at date o( 
last report — twenty-eight in number. By their returns of 
business and finances on the 31st day oi' December, L883, 
as compared with the previous year, this aggregate result is 
shown : 





1888. 


issi. 


Increase. 


Assets 


r ,976,469 


- 15,797,097 


$22,179,872 


Surplus, 


51,888,494 


19,285,792 


2,552,702 


Number oi' Policies, 


67.5,890 


632,669 


48,221 


Amount of Lnsuranoe, . 


$1,719,171,452 


$1,598,278,900 


5,897,552 



Of the companies, one reports a decrease in assets, eight 
a decrease in surplus, and two a less number of policies and 

amount of insurance in force, Bui in do ease can an infer- 
ence o( weakness or decadence be drawn thence. 

This exhibit bears the evidence of well-husbanded strength 
and stable growth. The advance within the year in the 
elements oi substantial prosperity is uniform with the prog- 



VI 



EEPOET OF THE 



ress of other years of the semi-dec id e, as more distinctly 
will appear in the short tabulation below : 





Assets. 


Surplus. 


Policies. 


Insurance. 


1879, . 


$384,344,976 


141,232,583 


555,919 


$1,374,946,179 


1880, . 


401,469,751 


46,333,908 


572,669 


1,418,266,505 


1881, . 


416,822,768 


47,666,428 


598,862 


1,495,632,802 


1882, . 


435,797,097 


49,285,792 


632,669 


1,593,273,900 


1883, . 


457,976,469 


51,838,494 


675,890 


1,719,171,452 



Some changes from former years will be observed in the 
appended tables. Table B more particularly classifies the 
assets, and the additional table C the current business dis- 
bursements of the companies, while table I shows by 
divisions the number and causes of termination of policies 
ceased within the year. The adoption of these additional 
classifications in the annual reports it is thought will furnish 
useful data for purposes of comparison and analysis. 

Examinations of Foreign Companies. 

The department, upon the request of the company's board 
of directors, has caused to be made a thorough and critical 
examination of the financial condition and general affairs of 
the Penn Mutual Life Insurance Company of Philadelphia. 
The general result of the examination appears in the depart- 
ment record found elsewhere herein, and endorses the excel- 
lent reputation borne by the company for a generation and 
more. 

The only controversy that has arisen in the intercourse of 
the department with any of the life companies was in the 
case of the Union Mutual Life of Maine. For satisfactory 
reasons I deemed it my duty to investigate its affairs in 
accordance with the provisions of section 7 of chapter 119 
of the Public Statutes. Its officers refused to submit the 
company's affairs to my examination, assigning as justifica- 
tion for refusal a reason I could not recognize as valid. 



INSURANCE COMMISSIONER. vii 

Thereupon, in exercise of a power conferred by the statute, 
I revoked its authority to transact business in this Common- 
wealth. Subsequently the company applied to be re-admit- 
ted, and after such examination, as under the circumstances I 
saw fit to make, its application was granted and its authority 
restored. My report upon its re-admission is appended. 

Other examinations of foreign companies were as follows : 

Metropolitan Plate Glass Insurance Co. of New York. 

Lloyds Plate Glass Insurance Co. of New York. 

United States Plate Glass Insurance Co. of Philadelphia. 

Fidelity and Casualty Insurance Co. of New York. 

Accident Assurance Co. of North America, Montreal, Canada. 

Guaranty Assurance Co of North America, Montreal, Canada. 

The United States Plate Glass was found not satisfactory 
in its management and financial condition, and its certificates 
of authority to transact further business in Massachusetts 
were revoked. 

The examination of the Fidelity and Casualty related 
exclusively to the nature and methods of particular branches 
of its business, the company's financial soundness being 
established to my satisfaction by investigation of its affairs 
by the supreme court. Certain questions arose upon facts 
found in the examination as to the conformity of its business 
transactions to the requirements of Massachusetts laws ; but 
these become unimportant in consequence of recent legis- 
lation. 

The Metropolitan Plate Glass, the Lloyds, the Accident 
Assurance, and the Guaranty Assurance, all passed the 
examination with full credit, and verified their annual state- 
ments in all particulars. 

The legislature has granted a special charter to Julius L. 
Clarke and associates to incorporate by the name of The 
New England Assurance Company, with a capital of $50,000 
authorized to be increased to $200,000, for the transaction 
of plate glass insurance. The petition of the corporators 
asked a charter to authorize the transaction of steam boiler 
casualty and also fidelity in combination with plate glass 
insurance. But the legislation refused to make a precedent 
in favor of the expediency of authorizing different branches 



viii REPORT OF THE 

of insurance by the same corporation. This action may be 
taken as an assertion of the policy of the State and, as 
such, seems well considered. 

Corporate Suretyship and Real Estate Title In- 
surance. 

By acts of general legislation, passed in substitution for 
bills to grant special charters, two features of insurance in- 
demnity new to the Massachusetts public are legalized. 

Chapter 180 of the acts of 1884 authorizes the formation 
of corporations, in the manner prescribed in chapter 106 of 
the Public Statutes, " for the purpose of examining titles to 
real estate, of furnishing information in relation thereto, and 
of guaranteeing or insuring owners of real estate and others 
interested therein from loss by reason of defective title and 
other incumbrances." Such a corporation must have a 
capital of not less than two hundred thousand dollars, nor 
more than one million dollars, and must set apart and pre- 
serve unimpared in investments such as savings banks may 
make, a sum equal to two-fifths of its capital and not less 
than one hundred thousand dollars, as a guaranty fund for 
the payment of losses and expenses incurred upon its insur- 
ance liabilities. The laws in relation to insurance corpora- 
tions are not applicable to these corporations further than 
that they must file annual statements of their affairs, and the 
commissioner is given power and authority to visit and 
examine them, as in the case of domestic insurance com- 
panies. Only one similar corporation, as I am advised — 
the Real Estate Title Insurance Company of Philadelphia, a 
well-reputed and prosperous institution — is now in operation 
in ihe United States. How considerable a demand exists or 
may arise for this species of insurance the event of trial must 
determine. 

Chapter 296 of the acts of 1884 provides that companies 
may be formed, with a minimum capital of $200,000, " for 
the purpose of guaranteeing the fidelity of persons and of 
acting as surety on bonds," upon complying with the pro- 
visions of chapter 119 of the Public Statutes relative to the 
formation of insurance companies. The nature of the busi- 



INSURANCE COMMISSIONER. ix 

ness such corporations may transact is defined in sections 3 
and 4 of the act, which are these : 

Sect. 3. Such company, if accepted and approved by the 
court, magistrate or other obligee, ma}' act as surety upon the 
official bond of any person to the United States or to the state of 
Massachusetts ; to any county, city or town ; to any judge of 
probate and insolvency, sheriff or other court or magistrate ; to 
any corporation or association, public or private, and upon a bond 
or undertaking to any person or persons, conditioned upon the 
performance of any duty or trust, or for the doing or not doing of 
anj'thing in said bond or undertaking specified, and to guarantee 
the fidelity of persons holding positions of public or private trust, 
or the bonds and undertakings of such persons ; also upon bonds 
to indemnify against loss any person or persons, who are respon- 
sible as surety or sureties upon a written instrument or otherwise, 
for the faithful performance b} T others of any trust, office or duty ; 
and in an}' case where, by law or otherwise, two sureties are re- 
quired upon any obligation which this compan} 7- is hereby author- 
ized to assume, this compan} T may act as sole surety, if so ac- 
cepted and approved by the court, magistrate or other officer named 
as the obligee in the bond, or who is now or shall hereafter be 
required to approve the sufficiency of any such bond or under- 
taking. 

Sect. 4. The amount of responsibility incurred by said com- 
pany in behalf of any one person, partnership or company, shall 
not exceed the amount of ten per centum upon its paid-in capital, 
except where the compan} T shall be fully secured or guaranteed 
against all loss in consequence of responsibility incurred in excess 
of said limited amount of ten per centum, by the deposit with the 
compam" or conve} T ance to it of property fully worth at a fair and 
reasonable valuation the amount of such excess. 

Fidelity insurance, or the guaranty of indemnity against 
loss from breach of trust or other delinquency by persons in 
private fiduciary employment, is somewhat familiar to our 
business circles. Two foreign companies have successfully 
engaged in it within the jurisdiction for several years past. 
But that feature of the above legislation which permits cor- 
porate contracts of suretyship, in place of personal sureties, 
on bonds of public officers and on bonds or undertakings of 
persons holding trusts by judicial appointment or subject to 
judicial obligations, authorizes an innovation upon ancient 



x EEPORT OF THE 

and cherished custom, which may jar conservative pre- 
judices. Under a proper surveillance by courts and a careful 
magistracy I discover no objection that outweighs the advan- 
tages. No tribunal or magistrate is obliged to approve such 
surety, and its acceptance or rejection is left to discretion as 
in the case of the sufficiency of personal sureties. That the 
State in the administration of trusts by its tribunals should 
carefully guard the safety of the estates and interests in its 
custody, is a duty impressively enjoined, and the considera- 
tion simply is whether corporate suretyship assures such 
safety as efficiently as any other mode. Whether it does or 
not, evidently depends upon the integrity and ability of the 
corporation to perform the obligation it assumes, and thence 
arises the need of a careful watchfulness of the affairs of these 
corporations by the civil and judicial authorities. New York 
in her judicial administration has given an illustration of this 
proper vigilance. The supreme court of that state within a 
year has caused the financial condition of the Fidelity and 
Casualty Company to be thoroughly investigated by an 
officer of the court, to determine its competency as surety on 
bonds or undertakings in judicial procedure. And the rec- 
ommendation is prudently urged that similar investigations 
be annually had under authority of the court. 

The American Surety Company of New York has recently 
organized with a half million dollars of capital for the trans- 
action of all branches of fidelity insurance, and I am advised 
that companies composed of prominent men of Boston, with 
a liberal financial basis, are in process of formation under 
the acts above referred to. 

The domain of insurance steadily enlarges as if with intent 
to embrace all sorts of relievable misfortune within its 
benevolent jurisdiction. 

The Colok Line in Insurance. 

A peculiar measure of legislation is the recent act entitled 
" An Act to prevent discrimination by life insurance com- 
panies against color." Sections 1 and 2 of the act are as 
follows : 

Section 1. No life insurance company organized or doing 
business within this Commonwealth shall make any distinction or 



INSURANCE COMMISSIONER. xi 

discrimination between white persons and colored persons wholly 
or partially of African descent, as to the premiums or rates 
charged for policies upon the lives of such persons ; nor shall an}' 
such company demand or require greater premiums from such 
colored persons than such as are at that time required by such 
company from white persons of the same age, sex, general con- 
dition of health and hope of longevity ; nor shall any such com- 
pany make or require any rebate, diminution or discount upon the 
sum to be paid on such policy in case of the death of such 
colored person insured, nor insert in the policy any condition, nor 
make any stipulation whereby such person insured shall bind him- 
self or his heirs, executors, administrators and assigns to accept 
an}' sum less than the full value or amount of such policy in case 
of a claim accruing thereon by reason of the death of such person 
insured, other than such as are imposed upon white persons in 
similar cases ; and any such stipulation or condition so made or 
inserted shall be void. 

Sect. 2. Any such company which shall refuse the application 
of any such colored person for insurance upon such person's life, 
shall furnish such person with the certificate of some regular 
examining physician of such company who has made examination 
of such person, stating that such person's application has been 
refused, not because such person is a person of color, but solely 
upon such grounds of the general health and hope of longevity of 
such person as would be applicable to white persons of the same 
age and sex. 

The act itself discriminates in favor of one class of per- 
sons, as its benefits, if benefits they are, are conferred only 
upon such colored persons as are " of African descent." 

The sufficient occasion and good reason for this legislation 
is not evident. Its only basis appears to have been the fact 
that one or two companies engaged in industrial insurance 
made a difference in certain localities in rates of insurance 
upon the lives of white and colored persons. This, how- 
ever, was not a discrimination on account of color, but on 
account of the difference in longevity of the tw T o races, 
assumed in good faith and apparently supported by mortality 
statistics. That the distinction was dictated by race preju- 
dice is not conceivable. The whole structure of life insur- 
ance rests upon a calculation of the probabilities of longevity 
and a just proportion of insurance charge to the risk taken, 
and to compel a company to insure for the same rates 



xii REPORT OF THE 

different classes of people with different prospects of longev- 
ity would be to establish a grossly unjust discrimination 
against the longer lived class in favor of the shorter lived 
class. 

Massachusetts, in loyalty to just principles and to atone 
episodes of past history not remembered with pride, does 
well and wisely to, deprecate and ban all distinctions founded 
on caste, and to protect with the shield of law the equality 
of all her citizens in civil privileges. But, it seems, the 
affairs of ordinary commerce might safely and better be left 
to the regulation of the natural influences and laws of trade, 
in the absence of clear demonstration of substantial wrong 
done. An insurance company can scarcely be deemed to 
sustain relations to the people equivalent to those of inn- 
holders and common carriers, and properly amenable to 
like control by public law. 

Valuation of Life Policies. Reserve Standard. 

The fees to be paid hereafter by the companies as com- 
pensation for the valuing of their policies will be five mills 
for each thousand dollars of insurance on lives. This 
reduces by one-half the charge heretofore made. The reduc- 
tion is just, and the legislation to effect it was recommended 
by the Commissioner, as the fees now fixed will cover the 
cost of valuation. The need of a special department of 
insurance supervision was created by the business, and it is 
reasonable that the business should support it ; but it hardly 
comports with the dignity of the Commonwealth to aid its 
general revenues by exaction of fees beyond the expense 
needs of the special service. Our insurance interests bear 
their full share of the common burden in taxation levied by 
the ordinary mode. 

A disputed question has been, and, perhaps, still is, the 
proper standard to measure the liability and determine 
the legal reserve upon prudential or industrial policies. 
The New York department, in the exercise of a liberal dis- 
cretion, saw fit in its last valuation to adopt a basis different 
from the one formerly in use, by which new method the 
liability and computed reserve is made to appear consider- 
ably less. This will explain the difference between the 



INSURANCE COMMISSIONER. xiii 

department valuations of above $190,000 in the reported 
liabilities of the principal company engaged in the transac- 
tion of that insurance in the United States. The subject is 
likely to have further consideration by the national conven- 
tion of superintendents and commissioners, and I forbear to 
now discuss the law or its merits as applicable to these 
policy obligations. 

New York has just enacted a law to take effect three 
years hence, fixing the legal standard of reserve in accord- 
ance with the actuaries' table of mortality and four per cent, 
interest. In urging this legislation Superintendent McCall 
of the New York department gracefully pays a compliment 
to Massachusetts for the constancy and firmness with which 
her representatives have defended and adhered to that rule 
in all periods of controversy. Mr. McCall cites the fact 
that of thirty-six companies which in 1870 could abide the 
test of the New York standard, but not of Massachusetts, 
all but four were subsequently placed in the hands of 
receivers. So complete a vindication of her policy by the 
judgment of experience justifies a degree of satisfied pride, 
yet Massachusetts cheerfully shares the honor with the con- 
servative body of sagacious men in the business, who sus- 
tained the rule adopted by her insurance department at the 
outset as the true standard of safety. 

The Massachusetts Life Companies. 

Four of the home life companies — the John Hancock, 
the Berkshire, the State Mutual, and the New England 
Mutual — have been examined by the department since I 
assumed the office of Commissioner. Reports of these 
examinations will be found in this volume immediately pre- 
ceding the tables. The examination of the Massachusetts 
Mutual, so far as made, finds the affairs of that company in 
creditable order, and is complete with the exception of an 
appraisement to be had of the company's real estate and 
mortgage investments, a part of the investigation I was 
obliged to delay for a season in deference to other duties, 
but which will be speedily done. 

The only previous official examination of these companies 
was by Commissioner Rhodes in 1878, and the intelligence 



xiv REPORT OF THE 

and thoroughness with which that service was performed has 
materially assisted the labor of the more recent examination. 
Mr. Rhodes' examination found the companies then in excel- 
lent condition, and I find them now even more firmly estab- 
lished in the essentials of prosperity and permanence. 

Without offence I may be indulged in some congratulation 
upon the past stainless history and present sound and stable 
condition of the life insurance institutions of the State. 
While, elsewhere, serious scandals have disgraced the busi- 
ness management and impaired confidence in the system 
itself, and numerous unworthy organizations have abused and 
betrayed the trust reposed in them, no company organized 
by the authority and subject to the laws of Massachusetts 
has defaulted in any of its obligations. This fortunate record 
must be attributed to the sagacity of our legislation, and to 
the fidelity and conservative policy of the able and honorable 
managers entrusted with the administration of these interests. 

Assessment Assurance. What it is. 

This department is not unfriendly to assessment insurance 
in its legitimate enterprise. The Commissioner has no right, 
as he has no disposition, to misuse his authority by prejudiced 
treatment of any of the interests or organizations with which 
he holds official relations, and which exist by sanction of law. 
To deal with impartial justice by all is alike his felt duty and 
care. But it falls within his province to advise the people of 
the nature of the insurance and the character and methods 
of the associations which offer it, that they may better 
estimate its merits and availability for their use, and not be 
misled by the misrepresentations of interested partisans. 

The assessment plan is a simple mode of temporal insur- 
ance dependent for its duration upon the continuance of the 
association which furnishes it. The association is voluntary 
and held together by no compulsory bond, and may dissolve 
when it chooses. Whatever the form of the contract — 
whatever is written in the policy or certificate — the insur- 
ance ceases and the contract becomes worthless when the 
association dissolves or is unable to enforce the collection of 
assessments from its members, for such assessments are 
its only resource. The contract, in fact, is a promise 



INSURANCE COMMISSIONER. xv 

to pay provided the association shall be able to pay 
when the contract is payable. Whatever other useful pur- 
pose a reserve fund of an assessment association may serve, 
it is utterly inadequate as an assurance of the ability of the 
association to perform the letter of its obligations. At most, 
it is no more than the surplus above the reserve of a regular 
life company. But the dissolution of the association and 
the cessation of the insurance works no injustice, provided 
it does not outlive its ability to meet its engagements, and 
if the insured member was not misled as to the nature of his 
contract ; for he has had the protection of the insurance he 
paid for, at actual cost. The market where he bought his 
insurance from day to day is closed, and can sell no more — 
that is all. Nevertheless, the assessment assured must con- 
template the possibility that when his particular insurance 
market closes, if it does in his lifetime, he may then be 
unable to obtain insurance elsewhere because of physical 
disability contracted in the meantime. . 

The statement of a few evident facts should make clear to 
the commonest apprehension the distinction between the two 
systems of life insurance and the advantages or defects of 
each. The contract of a policy-holder in a level premium 
or ' ' old line " company covers the whole life or a definite 
term, absolutely ; the price he pays is calculated with refer- 
ence to the whole life or term ; and the scheme provides the 
company's ability to perform the exact terms of the con- 
tract. The insured pays in the earlier years more than the 
normal cost of his current insurance, and the excess goes to 
his credit and constitutes the company's reserve fund of 
which he owns the share he contributes, and which guaran- 
tees his future insurance to the end of life or term. The 
member of an assessment association buys a temporary 
insurance with a chance it may last while he lives. The 
policy-holder in a life company buys a current insurance, 
and also a right to future insurance secured by substantial 
and adequate pledge. One is cheaper in present cost — 
the other is surer of permanence and as cheap if reckoned for 
the whole period — and each is worth its cost provided the 
conditions of integrity and capable management are fulfilled 
in each. The stability of a life company is assured by its 



xvi REPORT OF THE 

ownership of sound assets sufficient to enable it to pay in 
full its obligations as they fall due, early and remote. The 
stability of an assessment association rests solely on the 
probabilities that it will maintain its effective organization. 

And here the Commissioner takes fit occasion to say in 
reply to oft question that as to these probabilities the general 
public have the same facilities to form an opinion that he has, 
and each individual must act upon the responsibility of his 
own judgment. This report contains such information as 
the department has of the transactions and present condition 
of the several assessment associations as well as the life com- 
panies. 

The familiar fact that elsewhere numerous associations 
have abused the public confidence and gone out in disgrace 
is by no means conclusive of the worthlessness of the assess- 
ment method. Such logic, if accepted, would bury the old 
with the new in a common sepulchre. A good plan may fail 
from faulty execution. With a judicious selection of lives, 
an equitable gradation of assessments, and sufficient acces- 
sions of new members to replace those who go out by death 
or otherwise, together with honesty and intelligence in its 
affairs, I see no reason why an association on the assessment 
plan should not prosper and usefully serve a public want in 
furnishing a desired sort of insurance at a cheap rate. But 
the cautious man, whose object is by insurance upon his life 
to secure a certain inheritance for his family, is not likely to 
put his trust in assessment assurance. 

Massachusetts Assessment Societies. 

The Massachusetts societies, with certain common features, 
are various in the composition of their membership and mode 
of government, and incidental objects and conditions, but 
capable of a classification accurate enough to exhibit their 
distinctive character and indicate their proper public rela- 
tions. 

(1.) The Masonic and Odd Fellows associations, twenty- 
five in number with 21,440 members, are composed exclu- 
sively of affiliated Masons and Odd Fellows, respectively, 
are purely mutual and self-governing and under efficient 
organization. (2.) Associations which limit their mem- 



INSURANCE COMMISSIONER. xvii 

bership to persons of a particular guild, profession, or 
employment, as passenger railway conductors, clergymen, 
commercial travellers, members of fire departments, and 
police officers. These number nine and report 3,358 mem- 
bers. (3.) The secret orders, of which the Knights of 
Honor, the Royal Arcanum, and the Knights of Pythias, 
are conspicuous examples, organized and conducted upon 
the lodge system. This division includes nineteen corpora- 
tions with a Massachusetts membership of 39,313. 

All the above classified associations combine the social 
element or class fraternal spirit with mutual insurance as 
their motive and bond of union. During my term in office 
thus far I have had from no member of these associations or 
orders any complaint or request for information or advice as 
to the nature of the insurance they give or the administra- 
tion of their affairs. By the character and selection of their 
associates, and the methods of their government, the mem- 
bers are in position to understand and defend their rights 
and interests, without the intervention of special laws for 
their protection. And, as the facts now appear, I deprecate 
any such legislation, upon the principle that the State should 
not abridge the social and commercial freedom of the people 
in any enterprise not prejudicial to good morals, unless 
demanded for the public safety or convenience. 

Besides the above specified classes of associations, we 
have thirty-seven engaged in assessment insurance, indis- 
criminate in their membership, except as to health qualifica- 
tions, and conducted in all respects as ordinary business enter- 
prises. Some are mutual, and all the members of such are 
entitled to a voice in the direction of their affairs ; but 
practically, and for obvious reasons, they are managed by a 
few active individuals, as all large mutual companies are. 
Others are simply close corporations, with a very limited 
membership, and organized and carried on for profit by a 
few stockholders or individuals who constitute the corpora- 
tion. The insured pay to the corporation stated fees and 
dues, which produce the expense fund, and whatever is left 
of it after the payment of expenses, is divided between the 
corporators as profits. The corporation assumes no obliga- 
tion to the insured, not even to the extent of its surplus 



xviii KEPORT OF THE 

revenue over expenses, except to collect assessments, if it 
can, and to pay death losses if it obtains sufficient funds for 
that purpose. Thus the corporators incur no liability, are 
exposed to no loss they cannot avoid, and anticipate liberal 
gains unearned by service or venture of capital. They are 
not obliged to apply the expense income to the promotion of 
the stability of the association. When they please, and 
they are likely to please when it ceases to prove profitable 
to them, or such a course seems for their advantage, they 
can let the corporation die. I find no warrant in the law for 
corporations of this sort. The statute authorizes the for- 
mation of associations for the purpose of rendering assist- 
ance to its members and their dependents. It does not 
authorize corporations to make contracts of assessment 
insurance with persons other than members, and the persons 
insured by the corporations referred to are not members in 
the sense of the statute. Equally without authority of law 
and of doubtful propriety, in my opinion, are certain 
methods pursued by some of the associations, notably the 
club plan of insurance, of which I made mention in my last 
annual report, and the creation by various modes of a sepa- 
rate fund not applicable, in the manner the statute prescribes, 
to the payment of benefits. 

Assessment Assurance Legislation. 

The legislature, unfortunately, though giving much con- 
sideration to the subject by its committees and in debate of 
proposed measures, at its late session was unable to agree 
upon specific legislation in regard to assessment assurance. 
This failure was due, it appears, not to a denial of the 
expediency of legislation, but to a conflict of views of what 
legislation is expedient. I may, therefore, without imperti- 
nence, urge the subject anew upon the consideration of the 
legislature when it shall again assemble. 

If assessment assurance is given public countenance, and 
so commended to popular favor, the State should by appro- 
priate legislation secure a just administration of the corpora- 
tions, so that the people may realize the full benefits of the 
system, and be protected from the imposition and abuse to 
which it opens opportunities and temptations and with which 



INSURANCE COMMISSIONER. 



XIX 



other communities have become acquainted by costly experi- 
ence. Now, the powers and limitations of the corporations 
are not defined with clearness, nor is authority for effective 
superintendence given the Commissioner ; although some of 
the associations, to win public confidence, assume that their 
affairs, in some effective manner, are supervised by the 
insurance department. This claim, in justice to the depart- 
ment and to the public I am bound to deny. The authority 
of the Commissioner extends no further than to obtain and 
publish for general information the annual statements of the 
associations. That done, his responsibility is discharged. 
The publicity thus given doubtless serves a useful purpose. 
Beyond that effect, the supervision provided by law I regard 
of no value, and it certainly is not of a character and 
efficiency of itself to warrant trust in the good conduct of 
the associations. Supervision means simply the enforce- 
ment of the laws, and without efficient laws there can be no 
efficient supervision. 



Summary of Assessment Associations. 





Massachusetts Mem- 
bership. 


Amount of Insurance. 




1883. 


1882. 


1883. 


1882. 


Masonic, . 


10,135 


9,985 


$16,132,074 


$16,103,286 


Odd Fellows, . 


10,199 


10,289 


16,466,984 


15,577,877 


Secret Orders, . 


39,313 


36,646 


88,632,796 


84,102,266 


Business Associations, 


38,826 


29,630 


106,840,649 


79,929,812 


Special Classes, 


3,358 


* 2,961 


5,041,426 


4,080,397 


Totals, 


101,831 


89,511 


$233,713,929 


$199,793,638 


Increase, . 


12,320 


- 


33,920,291 


- • 



Seven associations report for the first time. Three have 
dissolved their organization. Several others have been 
formed but did no business prior to Dec. 31, 1883, and 
therefore make no returns to the department as yet. The 
general result, as shown above, indicates the continued favor 



xx KEPORT OF THE 

of the public towards the assessment method of insurance, 
and emphasizes the propriety of legislation for the protection 
of the interests involved. As our laws do not admit assess- 
ment companies of other States to transact business here, the 
Massachusetts companies will be debarred that privilege in 
those States. 

Life Insurance. Its Perils and Safety. 

The law of the survival of the fit has been active in the 
genesis period of life insurance in this country, and has 
nearly wrought its perfect work. Many ill-conditioned en- 
terprises of illegitimate birth and nurture, have perished in 
the order of nature ; some by violence and under the curse 
of disobedience to the inexorable laws of life and health. 
A few yet languish to their doom. The rest seem well 
builded and in condition to strengthen and broaden their 
solid base. 

There were sixty-five companies legally qualified in Mas- 
sachusetts in 1870. There are now twenty-eight. Forty-five 
from other States have come and gone within the quarter 
century, — a large majority of them to unhonored graves. 
The collapse of such as never had an adequate reason for 
existence was perfectly logical and perhaps essential to the 
stability of the rest. Some mischief attended the process, 
but the history is not singular from that of the inception and 
development of most of the kindred useful commercial estab- 
lishments which are the boast and benefaction of our social 
Commonwealth. Of the twenty-eight companies authorized 
iu this State, the youngest is nine years old, and of the 
others, only four are under twenty. The junior of the Mas- 
sachusetts companies was incorporated in 1862, and efforts 
since to form others proved abortive. The established com- 
panies appear amply able to serve the public demand as it 
grows, and the prospect does not indicate the formation of 
new companies, east of the Pacific slope, for a generation to 
come. 

For the future of life insurance in this country we may an- 
ticipate great companies, custodians of vast funds. With its 
immense growth in volume and importance the responsibili- 
ties of the business proportionately increase and, in certain 



INSURANCE COMMISSIONER. xxi 

aspects, its perils. The assets of the United States com- 
panies to-day approximate $500,000,000, and they grow 
larger year by year. To keep these vast sums in safe and 
desirable investments, and realize thereon the requisite in- 
come, in the present and prospective monetary condition of 
the country, is a matter of obvious difficulty and justifies 
grave concern. The management of the hundred million 
dollars worth of investments which a single company now 
holds is a burden of responsibility equal to the government 
of a great State, and asks the highest qualities of business 
prudence as well as probity. Should these important finan- 
cial interests fall into unskilful or dishonest hands the possi- 
ble and not improbable consequences cannot be contemplated 
with composure. An insurance company is not more secure 
than a national bank from ruin by unfaithful administration 
and commercial disasters. These however are the common 
perils inseparable from social institutions, and while they 
challenge vigilance and all wise precautions human foresight 
can devise, ought not to create distrust. The situation 
teaches two important conditions of safety for an insurance 
company to observe : ( 1 ) , the avoidance of all ' ' entangling 
alliances," and especially any sort of speculative relation 
with other financial interests ; and (2), to hold its financial 
responsibilities within the narrowest consistent limits, and 
burden itself with no duties it is not obliged to assume. 

In this connection I am moved to express a regret, shared 
in I believe by the conservative and most sagacious men in 
the business, that our insurance establishments have adopted 
schemes of insurance whereby they have become so largely 
institutions of investment. Twenty years ago endowment 
insurance constituted less than one-twelfth of the business of 
the companies. Now it is fully one-fourth. Of the present 
funds of the companies, not less, I judge, than a hundred 
million dollars is accumulation on account of endowments 
and Tontines. This may be legitimate, in a certain sense, 
but has no just relation to life insurance. To unite, more 
than need be for the assurance of its contracts, the proper 
business of an insurance company with the functions of a sav- 
ings bank, makes a combination both incongruous and un- 
wise. That the ordinary short-term endowment, which is a 



xxii EEPORT OF THE 

little insurance and a great deal investment, is not desirable 
as either, is capable of mathematical demonstration, and is 
alike impolitic for the companies and unprofitable for the 
policy-holder. The eloquence of the solicitor, inspired by 
the hope of a liberal commission, may deceive the unin- 
structed, but cannot impeach the fact. A provident person 
will do wiser to buy his insurance of an insurance company, 
and make his deposits, if he wishes to make investments of 
that character, with some regular savings institution whose 
sole business is the administration of trust funds. The en- 
dowment assured, if he lives out his term, realizes no advan- 
tage from the endowment part of his contract, and if he dies 
within the term he loses on the insurance part the difference 
between endowment and insurance rates. As for the com- 
pany which deals in endowments, it thereby needlessly as- 
sumes the obligations and responsibilities of a banker in 
addition to the obligations and responsibilities of an insurer, 
and prejudices its safety as an insurance institution by expos- 
ure to the dangers incident to its banking operations. If 
these propositions are well-founded, it results that sound 
policy should regard with disfavor the inventions of invest- 
ment insurance which recent practice has unwisely grafted 
on the original system. 

There is a moral as well as commercial and politic side to 
this matter. The only legitimate income of an insurance 
company in the nature of profits is the gains from its funds. 
All of its other revenue not used for payment of losses and 
expenses is justly due to be returned to those who con- 
tributed it, not as profits but as overcharge on cost of insur- 
ance. That an insurance company can be relied on to 
manage funds to better advantage than ordinary institutions 
of investment is not credible. From these clear premises 
the conclusion is inevitable that an insurance company can 
realize superior profits for some of its investment policy- 
holders only at the expense of its other policy-holders. What 
somebody gains somebody else must lose ! Massachusetts 
has signified by just legislation her disapprobation of such 
mercenary commerce, and sought to divorce insurance from 
speculation. All her laws against inequitable forfeiture rest 
on this firm base of natural justice. 



INSURANCE COMMISSIONER. xxiii 

These reflections do not relate to that class of insurance 
where the policy is payable at the end of the ordinary limit 
of productive human life. That form is virtually the equiva- 
lent of whole-life insurance, with a benevolent provision by 
which the insured, should his life be lengthened to that 
limit, can command the personal enjoyment of it in dependent 
old age. 

Economy in Cost of Life Insurance. 

A study of the plan of life insurance compels admiration 
for the genius that designed it. It is as safe, equitable, and 
nearly perfect as anything of social creation. Any failure 
or injustice attending it must be referred to the execution 
and not the plan. By the plan the policy-holder is sure to 
get what he pays for, and to pay only the fair cost of what 
he gets. The reproach of expensiveness sought to be cast 
upon scientific life insurance cannot hold, unless it be shown 
that the conduct of the business is attended with needless 
expense. Our concern is therefore with the administration, 
confident the foundation is safe. 

To determine if an insurance company is "well estab- 
lished," as a former commissioner aptly terms it, the '* ob- 
vious test " is the possession of funds sufficient by approved 
standards of computation of liability to meet its obligations 
as they shall mature. This is held true, provided a good 
selection of lives, full mutual premiums adequately loaded 
for expense income, and a satisfactory investment of the 
reserve. And the application of the test is ordinarily not 
difficult. But well-establishment, in the sense of stability, 
is not conclusive of good management, which implies more 
than the maintenance of the establishment. A company, 
though solvent, is yet not properly managed if it spends 
beyond its real needs. Solvency, if maintained, makes 
certain the payment of the amount of insurance at maturity 
of the contract. But the policy-holder's further right is to 
have his insurance for a just price ; and whether he so gets 
it depends on whether the reserve and surplus funds, which 
are his, are thriftily managed or not, and whether the need- 
ful machinery of the business, the expenses of which he 



xxiv REPORT OF THE 

pays, is carried on economically or not. And thus the 
question of frugal and capable administration becomes second 
only in importance to the question of present well-establish- 
ment, since extravagance or incapacity may impair the 
present stability and surely will do injustice. 

That well-managed companies are entitled to credit, and 
ill-managed companies should not escape exposure of their 
faults in official reports, is a proposition of even-handed 
justice in accord with business morals and the public welfare. 
If capable prudence and wasteful incompetence in these 
institutions enjoy equal honor, the former will be insecure in 
its supremacy. And while a superintendent of insurance 
has no commission to pronounce the respective merits of the 
several competitors, he may and should exhibit, as clearly as 
may be, such facts in regard to them as fairly instruct the 
judgment. 

The law, the science of mathematics, the collected results 
of human experience, lamps to our feet in the untrodden 
future, together supply the "obvious test" of financial 
soundness. But a rule of general application by which to 
determine from the sum of its transactions whether an 
insurance company is prudently conducted under existing 
conditions, is a yet unsatisfied want. The several com- 
parative ratios introduced in the tabulations probably possess 
a use and value for some purposes, but they are safe only in 
skilful hands, and may be instruments of great wrong in 
the hands of the ignorant and malicious. They are in no 
proper sense of the term "tests" of prudent management 
and their significance can be judged only when weighed in 
connection with other elements and conditions. 

These comments are in part induced by the urgency with 
which certain comparative exhibits of the affairs and trans- 
actions of the companies have been urged upon my official 
adoption. The aim of the department is to encourage and 
promote the virtues of economy and wise caution in the 
government of the important institutions which administer 
so great trusts, by a full recognition and award of credit for 
their faithful practice. And the commissioner will welcome 
and adopt any mode of presentation of pertinent facts calcu- 



INSURANCE COMMISSIONER. xxv 

luted, in his opinion, fairly to show the degree of fidelity 
with which the companies observe the prime essentials of 
just and safe administration — care in the selection of insur- 
able lives, prudence in expenditure, integrity and sound 
discretion in their investments. 

Respectfully submitted. 

JOHN K. TARBOX, 

Insurance Commissioner. 



EE PORTS OF EXAMINATION 



OF 



LIFE INSURANCE COMPANIES. 



Extracts from Department Records. 



REPORTS OF EXAMINATION. 



BERKSHIRE LIFE INSURANCE COMPANY, 
PITTSFIELD. 



Less depreciation, 
Total admitted assets, 



[August 9, 1883.] 

The annual statement by the company as to its financial 
condition on the 31st of December, 1882, admitted by the 
Department, was as follows : 



Assets. 

Real estate, 

Loans on real estate mortgage, 
Loans on collateral securities, . 
Premium notes, .... 

Stocks and bonds (market value), . 
Interest due and accrued, . 
Rents due and accrued, 
Uncollected and deferred premiums, 
Cash deposited in bank, 
Cash in company's office, . 



1,776 13 

2,064,212 69 

150,975 00 

142,308 95 

621,883 75 

42,220 40 

395 00 

47,547 91 

82,191 79 

1,961 85 

$3,577,473 47 
339 01 

$3..577,134 46 



Liabilities. 

Premium reserve on policies in force, .... $3,049,966 00 

Policy claims, 33,788 00 

Unpaid dividends, 2,760 68 

Premiums received in advance, ..... 10,174 72 

Ledger accounts, 3,403 56 



Surplus as to policy holders, 



$3,100,092 96 
477,041 50 



xxx REPORT OF THE 

This examination was to verify the above statement and 
to inquire generally as to the company's condition and 
affairs. 

The statement is found correct as to loans on collateral 
and the securities therein are approved as sufficient. 

The company owned and still own (with the exception of 
$18,000 of the town of Pittsfield loan since paid) the bonds 
and stocks specified in their schedule. These securities, I 
am of opinion, could now be realized upon for at least the 
amount of the company's valuation, which is a considerable 
advance upon cost ; and as to the principal of them I have 
no cause to anticipate a future depreciation ; but as they are 
held in the nature of a permanent investment and subject to 
contingencies affecting their market values, I consider a 
reduction of ten thousand in the aggregate estimate a pru- 
dent margin against possible over- valuation. 

The real estate of the company consists of its Home office 
building at Pittsfield and various parcels of real estate in 
Massachusetts and in Indianapolis, Indiana, acquired by 
mortgage foreclosure. Its loans outside the State are almost 
exclusively upon real estate within or in the near vicinage 
of the great and growing centres of population and business, 
Cleveland, Detroit, Indianapolis, and Chicago. As these 
classes of assets comprise so large a proportion of the com- 
pany's property, I gave them careful consideration. 

I visited personally each parcel of real estate in Massachu- 
setts owned by or loaned upon by the company, and satis- 
fied myself by observation and inquiry as to its value. The 
real estate in Indianapolis was appraised in detail by persons 
of whose integrity and judgment I am fully assured, and 
they return a valuation in the aggregate of $45,014 above 
the company's claim in its annual statement. Similarly by 
special appraisement, or by other evidence, I am satisfied of 
the sufficiency of the real estate securities in other States, 
with a single exception, in which case a loss of perhaps a 
thousand dollars of the loan is probable. The Home office 
building, in my judgment, is a good investment at its cost. 

Upon the whole examination I find the real estate worth 
the valuation claimed for it and that the loans on real estate 
are satisfactorily secured. 



INSURANCE COMMISSIONER. xxxi 

The annual statement in other particulars is found accu- 
rate. The item of '« Sundry Ledger Credits" in the state- 
ment of Liabilities appears as $3,403.56 by a clerical error ; 
the amount stated should be $3,043.56, a correction in the 
company's favor and conformable to its books. Changes in 
investments up to date of actual examination have been as 
follows : 

New loans made since Dec. 31. 18 S2. 

On real estate mortgage*, $202,250 00 

personal security, 50,000 00 

collateral security. 67,50)00 

Municipal loans, . 42,500 00 

$362,250 00 
Loans pail since Dec. 31. 1SS2. 

Real estate mortgage loans, $179,784 49 

On collateral securities 174,250 00 

Municipal loans, . 18,000 00 



$372,034 49 

Real estate sold, $8,500 00 

Real estate acquired by foreclosure, . . $10,622 79 

No. of Policies in Force. Amount of Insurance. 

Jan. 1, 1883, • . . . . 5,901 $13,005,262 00 

July 1, 1883, .... 6,137 13,681,250 00 

What reliable surplus an insurance company has for the 
protection of its contracts is necessarily in some degree a 
matter of opinion and cannot be determined with exact 
mathematical precision. In the examination of the Berk- 
shire by the careful and intelligent Commissioner of this 
Department in 1877 its surplus was then reckoned at $314,- 
912.69. My opinion, based upon this examination, is that 
its present surplus can, with abundant caution, be placed at 
not less than $450,000, with a reasonable probability that it 
may equal or exceed the estimate of its annual statement. 

My examination discloses no weakness in the present finan- 
cial condition or business basis of the company. It engages 
only in those methods of insurance to which experience has 
given a character of legitimacy and proven by successful 
practice. Its premium rates are adjusted to scientific stand- 
ards, with due regard to safety, and its risks are selected 



xxxii EEPORT OF THE 

with care. Its expenses of management are reasonable. 
With a continuance of the integrity and prudence which 
appear now to characterize the conduct of its interests, I 
apprehend no disaster to its fortunes. 



JOHN HANCOCK MUTUAL LIFE INSUKANCE CO., 

BOSTON. 

[June 13, 1883.] 

For convenience, the examination was as to the condition 
of the company on the thirty-first day of December, 1882, 
the date of the sworn annual statement made by its officers 
to this Department and the statement herein made of its 
assets and liabilities refers to that date. But sufficient 
further investigation of its transactions and affairs subse- 
quent to Dec. 31, 1882, was made to show that no material 
change had occurred in the financial condition of the com- 
pany up to the date of actual examination. 

As to the real estate assets, I caused the several parcels 
located in Massachusetts, to be visited and appraised. The 
parcels of real estate situated without the Commonwealth, I 
did not personally examine or cause to be appraised by 
agents of the Department, as the appropriation available for 
the use of the Department does not warrant the expenditures 
which such a valuation would involve. As to the value of 
such real estate my opinion is based upon statements of the 
officers of the company and the certificates or statements of 
local real estate experts and supposed competent judges and 
valuations made in a former examination by this Depart- 
ment. This remark also applies to my inquiry into the 
values of the real estate mortgages held by the company as 
security for its loans. 

The investments of the company seem to have been made 
with care and judgment, and except in very rare instances 
with good fortune. 



INSURANCE COMMISSIONER. 



XXXlll 



I verified the annual statement as to the specific assets 
owned by the company on the thirty-first day of December, 
1882, and also as to its liabilities on that date. The com- 
pany's valuation of its real estate is reduced by the sum of 
$2,200. In other respects its annual statement to the 
Department is found correct and approved by this exami- 
nation . 

On the thirty-first day of December, A. D. 1882, the 

assets and liabilities of the company are found to have been 

as follows : — 

Assets 

Real estate, $170,000 00 

Bonds and stocks, 779,024 00 

Cash, 18,443 89 

Loans on real estate, 1,218,628 42 

marketable securities, . . . . . * 73,445 00 

to policy holders on policies, .... 12,100 00 

Premium notes, 163,450 21 

Interest due and accrued, 41,857 53 

Rents due and accrued, 254 00 

Premiums due and deferred premiums, . . . . 34,139 56 



$2,511,342 61 



Liabilities. 

Net value of policies, .... $2,302,321 00 

Matured endowment claims, . . 160 00 

Unadjusted death loss claims, . . 27,822 00 

Disputed death loss claims, . . . 936 00 

Advance premiums, .... 2,781 68 

Dividends due to policy holders, . . 18,534 58 



Surplus. 

Items of assets not admitted by Insur- 
ance Departments, comprising agents' 
balances, commissions, etc., $13,079 83 



2,352,555 26 



$158,787 35 



The John Hancock alone of the Massachusetts Life Com- 
panies, does Industrial or Prudential Insurance. Its business 
in this branch is confined to the Middle and Eastern States 
excepting only a small business in Baltimore. Policies are 
issued upon satisfactory medical examinations and the pre- 
miums graded on scientific data with adequate loading for 



xxxiv REPOKT OF THE 

extra expense of agents and collectors ; and of a total insur- 
ance of $5,096,488 in force, only $462,118 is upon lives 
under ten years of age. 

As a result of the cost of establishing this branch of its 
business, the annual statements of the company show an 
unusual ratio of expense to income during the four years past 
and a reduction of surplus in that period. The management 
claims that this expense is wisely incurred and will be 
amply justified by future results. The weekly collections 
upon prudential policies now average nearly $5,000, and the 
company confidently promises, upon warrant of the present 
condition of the business, a satisfactory exhibit for the cur- 
rent year. 

Memorandum. 

June 19, 1883. 

In the examination of the affairs and condition of the 
John Hancock Mutual Life Insurance Co., I personally 
inspected and inquired into the value of the real estate 
situated on Fulton Street in Brooklyn, in the State of New 
York, owned by the company at the date of its last annual 
statement and now held by it in mortgage. I found the 
property in good condition and repair, well rented, in an 
eligible locality for property of its class, appreciated in 
market value within five years, with decided prospects of 
further appreciation, and yielding an annual rental of be- 
tween nine and ten thousand dollars. I am satisfied it is 
fully worth the company's valuation as made in their last 
annual statement. 



INSURANCE COMMISSIONER. xxxv 



NEW ENGLAND MUTUAL LIFE INSURANCE 
COMPANY, BOSTON. 

[February, 1884.] 

The following summaries were verified in detail by exam- 
ination of the books, securities, and vouchers in the office of 
the company : 

Assets. 

Real estate owned, $1,279,165 54 

Bonds and stocks owned, 9,297,237 50 

Loans on mortgages, . . 2,222,148 00 

Loans on collaterals, 1,951,157 82 

Loans on company's policies, . . . . . 4,000 00 

Cash in banks, 646,912 81 

Premium notes, 957,169 36 

Deferred premium notes, 243,245 63 

Oiit>tanding premiums (less 25 per cent.), . . . 94,297 81 

Interest accrued, 180,962 86 

Rents accrued, 13,858 49 



$16,890,155 82 
Liabilities. 



Policy reserve on state standard, . $13,981,704 00 

Death loans, unpaid, . . . 166,099 00 

Matured endowments unpaid, . . 29,244 00 

Distributions of surplus unpaid, . 86,53126 
Contingent liability on certain lapsed 

claims, 53,160 00 



14,316,738 26 



Surplus, $2,573,417 56 

The real estate of the company consists mainly of its 

office building on Post-office Square, .... $900,000 00 

Adjacent lot and building on Congress Street, . . 41,820 98 

And lot and building 70 State Street, .... 174,650 00 

The balance of the real estate consists of eight parcels of 
ground and buildings situated in Boston and vicinity valued 
at $101,649.84, three pieces in St. Louis, $22,900, and two 



xxxvi EEPORT OF THE 

in Chicago, $39,144.72. With the exception of the three 
first named and one in Chicago, which are original pur- 
chases, the real estate owned was acquired by foreclosure of 
mortgages, and is carried on the books at lower values than 
assessors' appraisals and estimates of experts, and is un- 
doubtedly worth in market more than the amounts claimed. 

The loans on mortgages which were made previous to last 
examination of the company by this Department and still 
remaining in force have in many cases been decreased by 
partial payments of principal, and on none have additional 
loans been made or interest allowed to accrue to an amount 
nearly approaching the company's limit of security, and as 
they were all amply protected at that time, as shown by 
careful appraisals of experts independent of local assessors 
and company's estimates, and as the assessments of last year 
show the values to have been fully maintained and often 
largely increased, it has not been deemed necessary to cause 
new expert appraisals to be made, and very especially when 
it is considered that the total sum loaned on mortgages is 
less than the surplus of the company by a quarter million 
dollars. So also of subsequent mortgage loans, the same 
margin of safety has been observed, as shown by comparison 
with assessors' valuations. These properties loaned upon are 
almost wholly located in Boston and its near vicinity. The 
loans on collateral of stocks and bonds, as also the stocks 
and bonds owned by the company, were all examined in 
detail and found to correspond in description and value with 
the amounts claimed in the company's annual statement. 
The premium notes and loans were examined seriatim and 
compared with the schedules accompanying annual state- 
ment, which were afterwards tested by comparison with 
Department registers, and were in all cases found to belong 
to policies in force and in less amount than the net value of 
the policy. The same also with deferred notes and out- 
standing premium account. 

Cash in banks was verified by the cash books, check 
books, and certificates of cashiers as to deposits and balances 
on date of statement. 

The reserve charged in the liability account is the amount 
ascertained by computations in the Department, and is less 



INSURANCE COMMISSIONER. xxxvii 

than the company charges itself by $11,190, which excess is 
on account of certain contingencies considered by the exam- 
iner as too remote to be charged as a liability. The matured 
claims are entered at gross amounts, which are subject to 
considerable reduction by offsets of notes, loans, deferred 
premiums and other items fairly chargeable against them. 



STATE MUTUAL LIFE ASSURANCE COMPANY, 

WORCESTER. 

[March, 1884.] 

All the items of the company's annual statement to the 
Department as of December 31, 1883, were verified in the 
examination, both as to its financial condition on that date 
and its transactions during the year. 

Assets. 

The real estate consists of an undivided half of the build- 
ing in which is the company's principal office, and a lot of 
land with appurtenances, which is valued in the statement at 
$37,500 ; this is thought a low valuation. The property is 
assessed at a higher value for purposes of municipal taxa- 
tion. The company's mortgage loans are, in number, 54, for 
$189,915 principal, and all upon real estate within the Com- 
monwealth. No interest upon these loans is overdue, and 
the security is judged ample in every instance. 

The sole collateral loan of $1,900 was found secure by 
sufficient pledge of local bank stock. 

The company's possession and ownership of the bonds 
and stocks in its schedules, and their cost, were verified by 
inspection of these securities and examination of the books 
of the company, and the market value of the same, as claimed 
in the statement, approved for $2,929,760. 

Loans to policy-holders on policies assigned as collateral, 
$20,002. The policies, duly assigned, were in the com- 



xxxviii REPORT OF THE 

pany's possession, and interest on the loans paid to date due. 
Premium notes on policies in force were found, of the amount 
of $42,486.61. These consist of loan notes maturing within 
the policy year, given in part payment of the annual 
premium. 

The cash in banks was verified as follows : 

Deposit in the Worcester National Bank, . . . $33,460 54 

Deposit in the Quinsigamond National Bank, . . . 6,764 13 



A total of, $40,224 67 

The item of accrued interest was ascertained upon critical 
examination as slightly understated in the statement as 
$40,000. 

Total assets, $3,301,788 28 

Liabilities. 

Amount due on account of losses by death was $26,000: 
of this amount $15,000 was resisted claims; one for 
$10,000 on a policy upon the life of Walton D wight, 
and another for $5,000. This, with the legal reserve on 
policies in force, which is computed at $2,611,398, com- 
prises the total liabilities of the company, . . . 2,637,398 00 



Surplus, $664,390 28 

The company's annual statement of income and disburse- 
ments for 1883 was also verified in each item. 

An increase of $84,265.69 in premium receipts over the 
previous year is shown; also an increase of $2,145,768 in 
amount of insurance and of 546 in number of policies in 
force. 

The ratio of current expenses of management to premium 
income is 23 t 9 q 5 q per cent., somewhat larger than in the pre- 
vious year, but still within the provision made for the same 
in the premiums, and the increased volume of business is 
the company's warrant for the increase in expenditures. 

The death losses of the company within the year were 
considerably less than anticipated by the combined experi- 
ence table of mortality, upon which the premiums are calcu- 



INSURANCE COMMISSIONER. xxxix 

lated. From a computation of the mortality experience of 
the company to January I, 1882, made by its actuary, it 
appears that the death losses have been but 66^ per cent, 
of the mortality table expectation ; on ages from 14 to 49 
inclusive, 69 T 6 ¥ per cent. ; and on ages from 50 and over, 
63_6_ per cent., showing a larger gain on vitality account 
upon the advanced ages. 

There appears nothing in the condition of the company or 
the management of its affairs which calls for or would justify 
other than approbatory comment. 



PENN MUTUAL LIFE INSURANCE COMPANY, 
PHILADELPHIA, PENN. 

[March, 1884.] 

This examination was made upon the request of the 
officers of the company. Mr. Noah A. Plympton and Mr. 
A. G. Milton, accountant and actuary, were employed in 
the examination by the Department. 

The bonds, stocks, and like securities were appraised as 
to their market values on Dec. 31, 1883, by Drexel & Co. 
of Philadelphia and Donnell, Lawson & Co. of New York. 
The titles to real estate and also the title evidences of invest- 
ments in ground rents, bonds and mortgage were examined 
and found perfect by Nathaniel E. Janney of Philadelphia, 
a skilled conveyancer of approved reputation. The real 
estate and real estate securities located in the States of 
Pennsylvania, New Jersey, Delaware and Maryland were 
appraised by Abraham Ritter of Philadelphia and in the 
States of Ohio, Indiana, Illinois, Missouri and the District 
of Columbia by T. A. Selover of Cleveland, E. A. Warfield 
of Chicago, and O. D. Barrett of Washington. 

The report of Mr. Plympton, embodying also the reports 
of the other parties named in regard to the matters sub- 
mitted to their particular investigation, is on the Department 
files and to be referred to for special information. 



xl REPORT OF THE 

The result of the examination as shown by these reports, 
in which I have full confidence, approved the business man- 
agement of the company as honest and capable, and verified 
its financial condition on Dec. 31, 1883, as follows : 

Gross assets, . . . . . . . . $9,063,410 37 

Gross liabilities, 7,704,766 69 

Surplus, . . . • $1,358,643 68 



UNION MUTAL LIFE INSURANCE COMPANY OF 
AUGUSTA, MAINE. 

On November 21, 1883, the license of this company to do 
business in Massachusetts was revoked in consequence of its 
refusal to allow an examination of its condition and affairs 
which I had proposed to make. 

Recently it made application for readmission and submitted 
itself to examination under the law. 

Since the revocation of its license the company has been 
exhaustively examined by the commissioners or agents of 
the insurance departments of the States of Maine, New 
Hampshire, New York, Ohio and Illinois, and their re- 
port has been given to the public. For the purpose of official 
action I have felt justified in accepting substantially their 
valuation and verification of the company's assets as contained 
in its statement now filed with the department, and also 
the general facts found by them as to its present financial 
condition, which thus appears solvent by fixed legal stand- 
ards. One item admitted by the commissioners is a loan of 
$150,000, with accrued interest of about $90,000, aggregat- 
ing the sum of $240,000, secured by mortgage of property 
of the University of Chicago. The validity of this mortgage 
is contested on the ground that the mortgaged premises were 
inalienable by the mortgagors under the terms of the original 
grant to them, and the controversy now pends in the United 
States Court upon proceedings for foreclosure. Should the 



INSURANCE COMMISSIONER. xli 

company prevail in the litigation, as it ought in equity and 
o-ood conscience to do, as I believe it will in law, the com- 
pany will realize the principal part of its claim, though it 
may prudently anticipate some loss. Even should it fail 
altogether, the loss, though severe, will still leave the com- 
pany with a solvent surplus upon the basis of the commis- 
sioners' valuation. 

The company reported its surplus, December 31, 1875, as 
$1,241,615. In fact, by the legal test, it was then, I am con- 
vinced, insolvent, and without power in its normal resources 
to assure the fulfilment of its obligations. The apparent sur- 
plus, and more, was made up of worthless assets and over- 
valuation of actual assets. Its surplus as certified to the 
Department December 31, 1876, was $101,565 ; and Decem- 
ber 31, 1877, but $37,351. Its officers acknowledged all 
they could without confessing insolvency. 

"At the end of 1877," the commissioners say in their re- 
port, " the assets were still further marked down upon the 
books of the company, by order of the Board of Directors. 
From that time the property of the company has increased 
steadily in value and productiveness." 

This mark down, as appears by the company's statement 
for 1878, was in the sum of $137,278, and on account of 
mortgages and real estate. As the surplus as returned De- 
cember 31, 1877, was but $37,351, it results that had the 
directors admitted the depreciation of its assets at the time 
of making up its statement for 1877, instead of after, the 
company would have appeared insolvent upon its own con- 
fession. 

The injudicious character of the company's earlier invest- 
ments, which occasioned its serious embarrassment, is evi- 
denced by the fact that in 1875 considerably more than half of 
its assets consisted of loans on mortgage, and that within five 
years thereafter nearly or quite two-thirds of the real estate 
covered by the mortgages fell into its hands by foreclosure. 

The commissioners state — " from 1877 the surplus of the 
company has steadily increased. This is partially due to the 
fact already stated that real estate has increased in value, and 
that the disbursements have reduced liabilities to a greater 
extent than the sum expended, and the further fact that there 



xlii REPORT OF THE 

is considerable gain in every insurance company from the 
discontinuance of policies." 

This statement may be made more explicit. 

The present surplus of the company, as estimated by the 
commissioners, is $384,913.10. The gain to the company by 
appreciation of its assets since 1878, as appears from its 
annual statements, amounted to $379,180.67. 

The policies of the company in force in 1876 were subject 
to no fixed surrender value, either by law or the terms of the 
insurance contract. A large body of its policy-holders lost 
confidence in its stability, and rather than continue the 
payment of premiums uncertain of the issue, thousands 
permitted their policies to lapse, or surrendered them for 
whatever the company would pay. Of the extent of these 
transactions some statistics gathered from the annual state- 
ments of the company testify. The number of its policies in 
force December 31, 1875, was 22,122, and December 31, 
1878, but 15,775, although meanwhile the company issued and 
delivered 7,648 new policies. Within that period, of these 
policies there were of matured endowments and terminated 
by death only 1,689, while 8,017 terminated by lapse, and 
4,180 by surrender; and the company disbursed in cash (in 
addition to premium notes and loans) over $1,000,000 in the 
purchase of surrendered policies. It was a profitable com- 
merce. The commissioners remark truly, " The disburse- 
ments have reduced liabilities to a greater extent than the 
sum expended." 

Thus the discredit into which the company fell proved an 
important, probably indispensable auxiliary of its recupera- 
tion, and the company strengthened itself at the cost of its 
individual policy-holders. This was within the law, but an 
inequality justified only by the exigency in which the com- 
pany found itself. More recently, though in less degree, it 
has profited by these means, but, under less stress of its 
affairs, I am assured it now deals with its policy-holders in a 
more equitable spirit. 

When the present regime took direction of its affairs the 
condition of the company was certainly desperate. To the 
causes stated, together with energy and skill, and perhaps 



INSURANCE COMMISSIONER. xliii 

audacity, in the later conduct of its concerns, its rescue from 
wreck is principally due. 

The commissioners say: " The total expenses of manage- 
ment of the company in 1876 were $654,408.45, and in the 
year 1883 they were $266,667.07." 

This is true. But not the whole truth. It should be added 
that in 1876 the premium income was $1,616,775, and in 
1883 but $710,519.83 ; and further, that the year 1876, with 
which the comparison is made, was the most expensive of 
the company's history, the expenses of that year being $147,- 
317.89 larger than in the previous year, and $244,241.85 
larger than in the year after. By the company's annual 
statements it is shown that in a series of years the ratio of its 
expenses to premium income has been as follows : 



1874 
1875 
1876 
1877 
1878 
1879 
1880 
1881 
1882 
1883 



251 


per 


sent, 


27 


tc 


it 


401 


it 


tt 


28| 


« 


tt 


23| 


it 


it 


34f 


tt 


tt 


38 T V 


(( 


tt 


391 


tt 


tt 


36f 


tt 


tt 


371 


tt 


tt 



The expense " loading" of the premiums, is stated by the 
commissioners to be 24 per cent. The entire premium re- 
ceipts in 1883 were $710,519.83. Hence, the expenses of 
that year were nearly $100,000 in excess of the regular pro- 
vision made for the support of the management. 

A similar result is shown in each of the last five years. 
The company has been living beyond its proper income, and 
has been able to do so by reason of exceptional gains in other 
transactions . But a life company cannot prudently trust to 
supply deficits in its legitimate expense revenue from such 
irregular and inconstant sources as low mortality, high in- 
terest rates, advance in value of assets, or profits from sur- 
renders and lapses. This company is admonished by prudence 
and sound business morals to reduce its cost of management 
to within the limits of its income properly applicable to that 



xliv REPORT OF INS. COMMISSIONER. 

purpose, as a provision imperatively demanded for future 
safety. 

The company's real estate, the legacy to the present ad- 
ministration of former improvident investments, comprises 
an undesirable proportion of its aggregate assets. This, how- 
ever, is being reformed as rapidly as practicable, nearly a 
quarter of the real estate held in 1880 having since been 
advantageously disposed of. 

I fully concur in the statement of the commissioners' report, 
that " the books have been found in admirable condition." 
The business system seems to me excellent to a degree which 
invites special commendation, and exceptionally efficient to 
enforce accountability and secure integrity and an intelligent 
knowledge and supervision of all the company's affairs. 

While I have not made such an examination as would 
justify me in officially certifying the precise financial condi- 
tion of the company, I assume its legal solvency on the 
authority of the certificate to that effect of the commissioners 
who made the recent examination. And the company hav- 
ing now frankly complied with the requisites of the law, is 
deemed entitled to license to do business in this Common- 
wealth. 

JOHN K. TARBOX, 

Insurance Commissioner. 
March 24, 1884. 



STATISTICAL TABULATION. 



xlvi 



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INSURANCE COMMISSIONER. 



xlvii 



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MASSACHUSETTS 

LIFE INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1883. 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



BERKSHIRE LIFE INSURANCE COMPANY OF PITTSFIELD. 

[Incorporated May, 1851. Commenced business September, 1851.] 
- Paid-up Capital, $25,500. 
William R. Plunkett, President. James W. Hull, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 
for profit and loss account, 

Total income, 

Net or ledger assets Dec. 31, 1882, .... 



Total, 



$580,299 15 

157,076 77 

8,0()7 87 

346 15 

14,937 05 

13,699 40 

$774,366 39 
3,457,368 18 

14,231,734 57 



Disbursements. 

Cash paid for losses and additions, ..... $191 ,008 30 

Premium notes or loans used in payment of same, . . 3,926 70 

Cash paid for matured endowments and additions, . . 106,118 97 

Premium notes or loans used in payment of same, . . 5,231 03 

Gross amount paid for losses and endowments, . $306,285 00 

Received for losses and claims on policies reinsured, . 650 00 

Net amount paid for losses and endowments, . . $305,635 00 

Cash paid for surrendered policies, 135,082 09 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 9,988 83 



MASSACHUSETTS LIFE 



[Dec. 31, 



Cash surrender values, including reconverted additions 

applied in payment of premiums, $5,566 86 

Cash dividends paid policy-holders, applied in payment 

of premiums, 92,227 50 

Total paid policy-holders, $548,500 28 

Cash paid for dividends to stockholders, .... 1,785 00 

for commissions to agents, .... 57,675 66 

for salaries and travelling expenses of agents, 18,726 93 

for medical examiner's fees, .... 5,244 00 

for salaries of officers and office employees, . 19,603 23 

for taxes and fees, 12,085 21 

for rent 4,162 14 

for advertising, 5,966 79 

for incidentals, 13,868 71 

for depreciation, 8,654 91 

Total disbursements, . $696,272 86 

$3,535,461 71 



Balance, 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 

on collateral security (schedule A), 
Premium notes or loans on policies in force, 
Cost value of stocks and bonds owned (schedule B) 

Cash in company's office, 

deposited in bank, ..... 
Bills receivable, ...."... 
Agents' ledger balances, . . . . 

Ledger assets (as per balance), .... 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, .... 



$441,784 66 

2,108,664 67 

211,025 00 

143,533 44 

566,525 25 

1.523 37 
53,220 11 

1.524 55 
7,660 66 

^3,535,461 71 
6,959 54 

13,528,502 17 



Other Assets. 

Interest due and accrued, . . ... . • • 43,577 61 

Rents due and accrued, 808 65 

Market value of stocks and bonds, over cost, . . . 56,864 75 

Uncollected premiums on policies in force, $28,971 10 

Deferred premiums on policies in force, . 40,493 47 

Total, ; . $69,464 57 

Deduct loading (20 per cent.), . . . 13,892 91 

Net am't uncollected and deferred prem's, 55,57166 



Total assets per company's hooks, 



>3,685,324 84 



1883.] INSURANCE COMPANIES. 



Items not Admitted. 

Agents 1 balances, $7,660 66 

Bills receivable, 1,524 55 

Total, $9,185 21 



Total admitted assets, $3,676,139 63 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $3,172,158 00 
Deduct net value of reinsured risks, 10,276 00 



Net reinsurance reserve, $3,161,882 00 

Death losses and matured endowments in 

process of adjustment, .... $21,000 00 
Claims resisted by the company, . . 29,000 00 

Total policy claims, .... 50,000 00 

Unpaid dividends of surplus due policy-holders, . . 2,767 60 

Premiums paid in advance, 15,796 89 

Ledger accounts, . . . . . . . . 1,318 11 



Liabilities as to policy-holders, $3,231,764 60 

Surplus as regards policy-holders, ..... 444,375 03 



Gross liabilities, $3,676,139 63 

Premium Note Account. 

Premium notes on hand Dec. 31, 1882, . $142,308 95 

received during 1883, . 33,705 12 

Total, $176,014 07 

Used in payment of losses and claims, . $9,157 73 
Used in payment of surrendered policies 

and voided by lapse, .... 9,988 83 

Redeemed by maker in cash, . . . 13,334 07 

Total, . . . . • . . . 32,480 63 



Balance note assets Dec. 31, 1883, .... $143,533 44 

Exhibit of Policies. 

Policies and Additions in force Dec. 5i, 1882. 

Number. Amount. 

Whole-life policies, 3,016 $7,315,083 00 

Endowment policies, 2,201 4,346,257 00 

All other policies, 684 1,255,150 00 

Reversionary additions, - 88,772 00 



MASSACHUSETTS LIFE 



[Dec. 31, 



New Policies issued in 1883. 



Whole-life policies, 
Endowment policies, 
All other policies, 



Number. Amount. 

. 333 ^992,550 00 

. 827 1,614,786 00 

. 87 136,609 00 



Old Policies revived during the Year. 

Whole-life policies, 10 21,100 00 

Endowment policies, . . . . . .14 28,000 00 



Old Policies increased during the Year. 
Additions by dividends, 



169,090 00 



Total number and amount, 



7,172 $15,967,397 00 



Policies ceased to be in force during the Year. 





Number. 


Amount. 


Terminated by death, 


. 77 


$208,147 00 


by maturity, . 


. 74 


110,993 00 


by expiry, 


.132 


257,000 00 


by surrender, . 


.79 


338,357 00 


by lapse, 


. 221 


522,754 00 


by transfer, 


. 14 


31,100 00 


Not taken, . . 


. 195 


376,133 00 



Total terminated, 



792 $1,844,484 00 



Policies in force Dec. 31, 1883. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 
Reversionary additions, 

Totals, . 



Number. 

3,103 

2,679 
. 598 



Amount. 

£7,629,429 00 

5,304,353 00 

1,088,650 00 

100,481 00 



6,380 $14,122,913 00 



Schedule A. 
Securities held as Collateral. 



50 shares N. Y. Cent'l and Hud. R. R 11., 



50 
15 
164 
16 
56 



Third National Bank, 
Pittsfield National Bank, . 
Pittsfield Coal Gas Co., 
Agricultural National Bank, 
Pittsfield National Bank, . 



Market value 

$5,681 00 
8,500 00 
2,325 00 

21,320 00 
3,840 00 
8,680 00 



Amount loaned. 

$13,000 00 

1,525 00 
19,000 00 

9,500 00 



1883.] 



INSURANCE COMPANIES. 



Market value. Amonnt loaned. 



50 shares Boston and Albany R.R., . 
7 " Agricultural National Bank, 
10 " Third National Bank, 
10 " Stockbridge and Pittsfield R.R., 
Boston and Albany R.R. bonds, . 
Boston and Maine R R. bonds, . 



$8,750 00 

1,680 00 

1,250 00 

1,200 00 

127,600 00 

58,000 00 



} 



$5,000 00 

1,000 00 

1,000 00 

1,000 00 

160,000 00 



$248,826 00 $211,025 00 



Schedule B. 



Stocks and Bonds owned by the Company. 



United States bonds, . 

508 shares Pittsfield National Bank, . 

300 " Agricultural National Bank, 

250 " Adams National Bank, 

North Adams water bonds, 

Berkshire county loan, 

Pittsfield town loan, . ■ 

Hinsdale town loan, . 

Cheshire town loan, . 



Cost value. 

$313,095 25 

6fc,830 00 

60,000 00 

31,250 00 

43,000 00 

36,750 00 

10,000 00 

2,600 00 

1,000 00 



Market value. 

$335,250 00 
78,740 00 
72,000 00 
36,250 00 
47,300 00 
40,250 00 
10,000 00 
2,600 00 
1,000 00 



$566,525 25 $623,390 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY OF 

BOSTON. 

• [Incorporated April 21, 1862. Commenced business Dec. 27, 1862.] 

Stephen H Rhodes, President. George B. Woodward, Secretary # 



Income. 

Total premium income, ...... 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 

Total income, 

Net or ledger assets, Dec. 31, 1882, . 



$472,242 02 

125,712 48 

5,477 25 

534 40 

3,872 73 

$607,838 88 

2,423,942 56 



Total, 



5,031,781 44 



MASSACHUSETTS LIFE 



[Dec. 31, 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 
Cash surrender values, including reconverted additions 

applied in payment of premiums, .... 
Cash dividends paid policy-holders, $4,479.09 ; applied in 

payment of premiums, $28,753.03, .... 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, 

for depreciation, 

Total disbursements, . 



Balance, 



$170,645 44 

4,793 03 

62,434 45 

5,610 30 



$243,483 22 


647 


40 


26,556 


32 


3,782 


23 


3,669 


08 


33,232 


12 


8,775 


21 


$320,145 58 


85,989 


76 


43,227 


21 


15,796 


62 


29,591 


14 


8,718 


49 


12,241 


17 


869 


55 


4,175 


09 


20,776 


42 


18,866 


82 


$560,397 85 



1,471,383 59 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 
deposited in bank, 

Bills receivable, . 

Agents' ledger balances, 

Personal loans, . 

Commuted commissions, 

Ledger assets (as per balance), 



$33,242 37 

1,442,163 75 

15,100 00 

18,900 00 

153,108 69 

759,206 35 

2,420 68 

39,422 79 

270 10 

2,780 19 

768 67 

4,000 00 

$2,471,383 59 



1883.] INSURANCE COMPANIES. 9 



Other Assets. 

Interest due and accrued, $45,062 92 

Rents due and accrued, 97 50 

Market value of stocks and bonds, over cost, . . . 40,037 02 

Uncollected premiums on policies in force, $14,806 90 
Deferred premiums on policies in force, . 24,512 06 



Total, $39,318 96 

Deduct loading 8,631 93 

Net am't of uncollected and deferred prem's 30,687 03 



Total assets per company's books, .... $2,587,268 06 
Items not Admitted. 



Commuted commissions, . 


$4,000 00 




Agents' balances, .... 


2,780 19 




Loans on personal security, 


768 67 




Bills receivable, 


270 10 




Total, , . 




7,818 96 




Total admitted assets, 


$2,579,449 10 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $2,340,661 00 
Deduct net value of reinsured risks, 3,447 00 



Net reinsurance reserve, $2,337,214 00 

Death losses due and unpaid, . . . $3,650 00 

Matured endowments due and unpaid, . 3,219 00 

Death losses and matured endowments in 
process of adjustment, .... 19,274 00 

Total policy claims, .... 26,143 00 

Unpaid dividends of surplus due policy-holders, . . 17,070 72 

Premiums paid in advance, . ... 2,615 52 



Liabilities as to policy-holders, $2,383,043 24 

Surplus as regards policy-holders, 196,405 86 



Gross liabilities, . $2,579,449 10 



Premium Note Account. 

Premium notes on hand, Dec. 31, 1882, . $163,450 21 
received during 1883, . 13,661 80 
Total, .... . . $177,112 01 



10 MASSACHUSETTS LIFE [Dec. 31, 

Used in payment of losses and claims, . $10,403 33 

Used in payment of surrendered policies 

and voided by lapse, .... 3,782 23 

Used in payment of dividends to policy- 
holders, 8,775 21 

Redeemed by maker in cash, . . . 1,042 55 

Total, $24,003 32 



Balance note assets, Dec. 31, 1883, .... $153,108 69 

Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 3,174 $5,968,617 00 

Endowment policies, 1,396 1,855,121 00 

All other policies, . . . . . . 813 1,622,550 00 

New Policies issued in 1883. 

Whole-life policies, 

Endowment policies, 

All other policies, 

Old Policies revived during the Year. 

Whole-life policies, 

Endowment policies, 

Total number and amount, .... 6,016 $10,390,733 00 



. 351 


425,779 00 


. 133 


230,350 00 


. 136 


262,316 00 


zar. 
. 11 


24,000 00 


2 


2,000 00 



Policies ceased to be in force 


during the Year. 




Number. 


Amount. 


Terminated by death, 48 


$97,958 00 


by maturity, . 


. 59 


67,941 00 


by expiry, 


. 199 


419,016 00 


surrender, 


. 93 


164,414 00 


lapse, 


. 142 


193,200 00 


change (N. F. Law), 


. 132 


287,257 00 




. 67 


109,050 00 



Total terminated, 740 $1,338,836 00 

Policies in force Dec. 31, 1883. 

Number. Amount. 

Whole-life policies, 3,193 $5,841,284 00 

Endowment policies, 1,363 1,824,513 00 

All other policies, 720 1,386,100 00 



Totals, 5,276 $9,051,897 00 

Industrial policies in force, . . . . 63,625 $6,730,902 00 



1883.] 



INSURANCE COMPANIES. 



11 



Schedule A. 

Securities held as Collateral for Cash Loans. 



Ottawa, Oswego and Fox R. Val. R.R. b'd, 
205 shares American Whip Company, 
25 " N. Y. Central and Hud. R. R.R., 
Jackson, Lansing and Saginaw R R. bond, 



Market value. Loaned thereon. 

$800 00 

11,000 00 

2,500 00 

800 00 



$1,230 00 

20,500 00 

2,837 50 

1,125 00 



$25,692 50 $15,100 00 



Schedule B. 

Massachusetts bonds, 
Marion county bonds, 
County of Franklin bonds, 
City of Salem bonds, . 

of Bath bonds, . 

of Cambridge bonds, 

of Cincinnati bonds, . 

of Chicago bonds, 

of Evansville bonds, . 

of Cleveland bonds, . 

of St Louis bonds, 

of Indianapolis bonds, 

of Columbus bonds, . 
Philadelphia, Wilm. and Bait. R.R. bonds 
Chicago, Burl, and Quincy R.R. bonds, 
Ogdensburg and L. Champlain R.R. bonds 
Illinois Grand Trunk, R.R. bonds, 
Michigan Central R.R. bonds, . 
Grand River Valley R.R. bonds, 
Cedar Rapids and Missouri Riv. R.R. bonds 
Jackson, Lansing and Sag. R.R. bonds, 
Boston and Providence R.R. bonds, 
Boston and Albany R.R. bonds, 
Nashua and Rochester R.R. bonds, 
Lowell and Andover R.R. bonds, 
Old Colony R.R. bonds, 
Eastern R.R. bonds, . 
Burlington and Mo. River R.R. bonds, 
New York and New England R.R. bonds 
New Mexico and So. Pacific R.R. bonds, 
Kansas City, Law. and SoutlVn R R. bonds 
Massachusetts Central R.R. bonds, . 
Southern Kansas and Western R.R. bonds 
Cheshire R.R. bonds, .... 
Chicago and Eastern Illinois R R. bonds 



Cost value. 

$137,025 00 

10,300 00 

35,545 00 

5,000 00 

1,840 00 

2,003 75 
21,380 00 

4,800 00 

5,125 00 
10,300 00 
11,770 00 
13,130 00 

2,040 00 

6,650 .00 
25,125 00 

4,987 50 
19,400 00 

5,362 50 
10,487 50 
13,500 00 
10,100 00 
26,187 50 
25,520 83 
23,125 00 
18,300 00 

1,020 00 
24,177 50 
11,887 50 
20,862 50 
11,746 25 
10,355 00 

4,750 00 
11,187 50 

5,500 00 
10,900 00 



Market value. 

$138,900 00 

10,150 00 

35,590 87 

5,375 00 

2,040 00 

2,090 00 

25,550 00 

6,250 00 

5,000 00 

11,300 00 

12,410 00 

15,600 00 

2,000 00 

7,245 00 

30,850 00 

5,075 00 

22,500 00 

5,625 00 

10,800 00 

16,800 00 

10,500 00 

31,000 00 

29,500 00 

25,000 00 

22,400 00 

1,180 00 

27,750 00 

12,450 00 

18,600 00 

11,650 00 

10,600 00 

950 00 

11,000 00 

5,525 00 

10,000 00 



12 



MASSACHUSETTS LIFE 



[Dec. 31, 



Wichita and South Western R.R. bonds, . 
Saginaw Valley and St. Louis R.R. bonds, 
Chicago, Mil. and St. Paul R.R. bonds, 
Lowell and Lawrence R R. bonds, . 
Pueblo and Arkansas Valley R.R. bonds, 
Oregon Railway and Nav. Co. bonds, 
Saginaw and Western R.R. bonds, . 
Consolidated R R. Co. of Vermont bonds, 
Newton and Watertown Gas Light bonds, 
New England Mortgage Security bonds, . 
Center township (Ind.) note, 

50 shares Boston and Maine R.R. Co., 
150 " Chicago, Burl and Q. R.R. Co., 

50 " Union Pacific R.R. Co., 

50 " Atch., Top. and S. Fe R R. Co., 

25 " American Loan and Trust Co., 
100 " New England National Bank, . 

50 " Tremont National Bank, . 
100 " Continental National Bank, 

35 " Boylston National Bank, . 
100 " Washington Bank, . 

22 " State National Bank, 



Cost value. 

$9,132 50 
19,680 00 

5,168 75 

1,115 00 
11,512 50 
10,761 90 
10,000-00 

4,180 00 
20,000 00 

7,020 00 
15,000 00 

5,635 62 
18,912 50 

4,731 25 

4,212 50 

2,550 00 
12,031 00 

5,590 50 
10,150 00 

4,362 50 
13,537 50 

2,531 50 



Market value. 

$8,640 00 
20,000 00 

5,225 00 

1,100 00 
11,650 00 
10,600 00 
10,000 00 

4,712 00 
20,300 00 

7,070 00 
15,000 00 

8,050 00 
18,075 00 

3,600 00 

3,950 '00 

2,250 00 
13,400 00 

5,350 00 
10,800 00 

4,077 50 
13,300 00 

2,838 00 



$759,206 35 $799,243 37 



MASSACHUSETTS HOSPITAL LIFE INSURANCE COMPANY 

OF BOSTON. 

[Incorporated Feb. 24, 1818. Commenced business 1823.] 
Paid-up Capital, $500,000. 

John L. Gardner, President. J. C. Braman, Secretary. 

Samuel C. Cobb, Actuary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 
for commissions on trust, . 



Total income, 



$45,207 94 

53,390 76 

45,630 82 

$144,229 52 



Disbursements. 

Cash paid to annuitants, $62,445 65 

for dividends to stockholders, .... 40,000 00 

to Massachusetts General Hospital, . . . 5,000 00 

for salaries of officers and office employees, . 22,560 00 



1883.] 



INSURANCE COMPANIES. 



13 



Cash paid for taxes and fees, 

for rent, ..... 
for printing, stationery, etc., 

Total disbursements, .... 



$7,962 90 
2,500 00 
1,409 09 

$141,877 64 



Assets as per Ledger Accounts. 

Cost value of real estate, .... 
Loans on mortgage of real estate (first liens), 

on collateral security, 
Cost value of stocks and bonds owned, 
Cash deposited in bank, .... 



$16,066 56 

546,141 13 

415,548 18 

161,837 11 

33,260 57 



Ledger assets, . . $1,172,853 55 



Other Assets. 

Interest due and accrued, 

Market value of real estate, over cost, 

of stocks and bonds, over cost, . 

Total assets per company's books, 



,241 54 
1,740 54 
23,129 02 

$1,213,964 65 



Liabilities. 

Net present value of all outstanding policies and an- 
nuities, 1396,449 00 

Claims resisted by the company, 3,548 67 

Liabilities as to policy-holders, $399,997 67 

Surplus as regards policy-holders, . . . . . 813,966 98 

Gross liabilities, $1,213,96465 



Exhibit of Policies. 



Policies in force Dec. 31, 1883, . 
Annuities in force Dec. 31, 1883, 



Number. Amount. 

5 $13,000 00 
163 



14 



MASSACHUSETTS LIFE 



[Dec. 31, 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY 

OF SPRINGFIELD. 

[Incorporated May 1, 1851. Commenced business Aug. 1, 1851.] 

E. W. Bond, President. John A. Hall, Secretary. 



Income. 

Total premium income, . . . 

Cash received for interest on stocks, bonds and loans, 
as discount on claims paid in advance, 
for rents of company's property, 



Total income, 
Net or ledger assets, Dec. 31, 1882, 



Total, 



$941,187 38 

367,537 40 

1,004 25 

59,713 26 

11,369,442 29 
6,643,850 50 

>8,013,292 79 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash surrendered values, including reconverted additions 

applied in payment of premiums, .... 
Cash dividends paid policy-holders, $23,852.01 ; applied 

in payment of premiums, $105,060.60, . 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, . ... 



$420,493 18 

13,849 40 

104,722 56 

9,467 44 

$548,532 58 
15,000 00 

$533,532 58 
37,888 75 

18,073 42 

26,895 43 

128,912 61 
70,343 90 

$815,646 69 
71,928 51 
94,663 50 
8,589 00 
34,306 08 
20,130 67 
10,216 23 



1883.] 



INSURANCE COMPANIES. 



15 



Cash paid for advertising and printing, 
for incidentals, . 
expenses on real estate, . 

Total disbursements, . 

Balance, ..... 



$8,382 59 
17,359 12 
44,105 03 

^,125,327 42 

5,887,965 37 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, . 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in office and in bank, 

Bills receivable, ........ 



Ledger assets (as per balance), . 



$1,332,659 92 

2,123,041 11 

359,730 00 

116,425 00 

558,364 51 

2,251,353 39 

142,976 54 

3,414 90 

$6,887,965 37 



Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 

of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



$67,191 68 
133,131 09 



Total, . . . . . . . $200,322 77 

Deduct loading (20 per cent.), . . . 40,064 55 
Net am't of uncollected and deferr'd prems., 

Total assets per company's books, .... 



£177,755 99 

5,946 13 

262,230 08 

86,558 61 



160,258 22 



',580,714 40 



Items not Admitted. 



Bills receivable, . 

Total admitted assets, . 



3,414 90 



. $7,577,299 50 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



>,668,586 00 
33,280 00 



Net reinsurance reserve, 



1,635,306 00 



16 MASSACHUSETTS LIFE [Dec. 31, 

Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in 
process of adjustment, .... 
Claims resisted by the company, 

Total policy claims, .... 
Unpaid dividends of surplus due policy-holders, 
Due for premiums paid in advance, . 



$6,000 00 
150 00 

76,439 00 
21,214 00 


103,803 00 

21,078 48 

6,439 92 


rs, . 



Liabilities as to policy-holders, . . . . $6,766,627 40 
Surplus as regards policy-holders, 810,672 10 



Gross liabilities, $7,577,299 50 



Premium Note Account. 

Premium notes on hand, Dec. 31, 1882, . $580,144 25 

received during 1883, . 104,813 19 

Total, $684,957 44 

Used in payment of losses and claims, . $23,316 84 
of surrendered policies 

and voided by lapse, . 18,073 42 
of dividends to policy- 
holders, . . . 70,343 90 
Redeemed by maker in cash, . . . 10,672 39 

Total, 122,406 55 



Balance note assets, Dec. 31, 1883 $562,550 89 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 8,992 $21,876,458 00 

Endowment policies, 2,856 5,211,614 00 

All other.policies, 1,636 3,422,175 00 



New Policies issued in 1883. 

Whole-life policies, 1,245 3,570,450 00 

Endowment policies, 1,014 2,277,000 00 

All other policies, ...... 16 70,500 00 

Old Policies revived during the year. 

Whole-life policies, 1 6,000 00 

Endowment policies, 2 6,000 00 



Total number and amount, . . . 15,762 $36,440,197 00 



1883.]. 



INSURANCE COMPANIES. 



17 



Policies ceased to be in force during the year. 



Terminated by death, 

by maturity, . 

by expiry, 

by surrender, . 

by lapse, . 

by change and decrease, 
Not taken, 



Number. 


Amount. 


. 174 


$426,995 00 


. 107 


123,872 00 


. 339 


755,400 00 


. 131 


293,589 00 


. 299 


766,300 00 


. - 


261,127 00 


. 399 


952,750 00 



Total terminated, 



1,449 $3,580,033 00 



Policies in force Dec. 31, 1883. 



Whole-life policies, 
Endowment policies, 
All other policies, 

Totals, . . . 



Number. Amount. 

9,522 $23,292,942 00 
3,404 6,607,487 00 
1,387 2,959,735 00 



14,313 $32,860,164 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

19 shares Springfield Gas Light Co., . $2,850 00 
8 " Massasoit Paper Manuf. Co , . 1,488 00 

15 " Union Pacific Railway, . . 1,110 00 

35 " Union Paper Manuf. Co., . . 3,750 00 

30 " Cocheco Nat'l B'k, Dover, N.H., 3,000 00 

425 " Hampden Paint and Chem Co., 7,225 00 

25 " N. Y., N. H. and Hartford R.R., 4,462 50 

40 " Union Paper Manuf. Co., . . 5,000 00 

4 " Third Nat'l Bank, Springfield, . 700 00 

20 " Springfield Gas Light Co., . 3,000 00 
10 " VVestfield Gas Light Co., . . 1,100 00 
60 " Valley Paper Co., . . . 9,000 00 

140 " Hampden Glaz. Paper & Card Co. 17,500 00 

343 " Beebe & Holbrook Co., . . 68,600 00 

100 " Springfield Printing Co., . . 2,500 00 

Springfield Printing Co. bonds, . . . 10,000 00 

10 shares N. Y., N. H. and Hartford R.R., . 1,785 00 

5 " John Hancock Nat'l Bank, . . 625 00 

13 " Pynchon Nat'l Bank, . . . 2,314 00 

8 " Leicester Nat'l Bank, . . . 1,000 00 

Real estate mortgage, .... 5,000 00 

Marietta and No. Georgia R.R. mort. bonds, 3,000 00 

120 shares Chicopee Water Co., . . 15,000 00 



} 



Amount loaned. 

$1,900 00 
2,200 00 

3,000 00 
2,400 00 
7,000 00 
1,900 00 
2,700 00 

3,400 00 

6,000 00 
7,900 00 
18,000 00 

10,000 00 
500 00 



1 
i 

\ 4,500 00 



J 



3,000 00 
9,000 00 



18 



MASSACHUSETTS LIFE 



[Dec. 31, 



Streator Gas Light and Coke Co. bonds, 
25 shares N. Y., N. H. and Hartford R.R., 
Greenwood County, Kansas, bonds, . 
100 shares Valley Paper Co., 
Greenwood County, Kansas, bonds, . 
100 shares Union Pacific R.R., . 
So. Central R.R. of New York bonds, 
50 shares N. J. Construction Co , 
100 " Cocheco Nat'l B'k, Dover, N.H. 
Leadville Water Co. bonds, 
445 shares Union Paper Manuf. Co., . 
150 " Union Paper Manuf. Co., . 
Kansas City, St. J. and C. B. R.R. bonds, 
Kansas City, St. J and C. B. R.R. bonds, 
25 shares Springfield F. and M. Ins. Co , 
Douglas County, Wis., bonds, . 
Chattel mortgage, .... 
500 shares Drovers' Nat'l Bank, Chicago, 
500 " Lake Shore and Mich. So R.R. 
200 " Chic, R. I. and Pacific R.R., 
200 " Western Union Tel. Co., . 
100 " Chic, Burl, and Quincy R.R., 
100 " Chic, and No.-Western R.R., 
100 " Missouri Pacific R.R., 
100 " Union Pacific R.R., . 



Market value. 

$3,300 00 

4,462 50 

3,675 00 

15,000 00 

1,575 00 

7,400 00 

2,700 00 

2,500 00 

10,000 00 

15,750 00 

55,625 00 

18,750 00 

25,960 00 

44,840 00 

4,125 00 

23,100 00 

5,000 00 

6,000 00 

48,000 00 

23,600 00 

15,200 00 

12,200 00 

11,700 00 

9,000 00 

7,600 00 



Amount insured 

$2,700 00 
2,425 00 
2,500 00 

10,000 00 

\ 8,500 00 

2,000 00 

650 00 

10,000 00 

14,250 00 

20,000 00 

32,500 00 

34,000 00 

3,000 00 

20,000 00 

2,500 00 

5,000 00 

1 



\> 106,305 00 



J 



$547,072 00 $359,730 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. Market value. 

5 shares Agawam Nat'l B'k, Springfield, $515 00 $650 00 

20 " Pynchon Nat'l B'k, Springfield, 1,975 00 3,560 00 

124 " First Nat'l Bank, Springfield, . 13,850 00 20,460 00 

81 " Second Nat'l B'k, Springfield, 9,930 00 15,066 00 

35 " ChicopeeNat'lB'k,Springfield, 5,120 00 5,950 00 

17 " J. Hancock N. B'k, Springfield, 1,924 00 2,125 00 

100 " City Nat'l Bank, Springfield, . 10,000 00 13,000 00 

24 " First Nat'l Bank, Chicopee, . 2,586 00 4,128 00 

34 " First Nat'l B'k, Northampton, 3,455 50 4,556 00 
38 " Metropolitan Nat'l B'k, N. Y., 5,454 50 5,662 00 
15 " Eliot Nat'l Bank, Boston, . 1,522 50 1,860 00 

25 " Webster Nat'l Bank, Boston, . 2,625 00 2,725 00 
15 " Merchants' Nat'l B'k, Boston, . 1,844 57 2,010 00 

35 " Nat'l B'k of Commerce, Bost'n, 3,500 00 4,060 00 
98 " Franklin Co. N. B'k, Greenfi'd, 9,506 00 11,564 00 

100 " St. Paul N. B'k, St. Paul, Minn., 10,000 00 10,800 00 



1883.] 



INSURANCE COMPANIES. 



19 



Cash value. Market value. 

770 shares Boston and Albany R.R., . $95,176 38 $135,520 00 

100 " N.Y.,N.H. and Hartford R.R., 15,324 50 17,850 00 

1000 " N.Y. Central and H. R. R.R. , 127,125 00 112,625 00 

1100 " Union Pacific R.R., . . . 124,825 00 81,400 00 

1100 " Lake Shore and Mich. So. R.R., 123,187 50 108,625 00 

500 " Albany and Susq. R.R., . . 63,112 50 67,000 00 

200 " Chic, R. I. and Pacific R.R., . 8,925 00 23,500 00 

110 " Chic, Burl, and Quincy R.R., . 13,795 33 13,227 50 

175 " Conn. River R.R., . . . 28,675 00 29,225 00 

117 " Buffalo, N. Y. and Phila. R.R., 975 00 1,345 50 

1100 " Western Union Tel. Co., . 86,687 50 81,675 00 

St. Louis, Alton and T. Haute R.R. bonds, 30,026 25 36,855 00 

Kansas and Nebraska R.R. bonds, . . 8,000 00 6,778 00 

Kansas Pacific R.R. bonds, . . . 24,823 49 ' 27,820 00 

Ind., Blooming'n and Western R.R. bonds, 105,895 00 111,050 00 

Central Iowa R.R. bonds, .... 80,000 00 80,620 00 

Railway Equipment Co. bonds, . . . 78,250 20 79,000 00 

Ohio and W. Virginia R.R. bonds, . . 30,000 00 34,500 00 

Southern Central R.R. bonds, . . . 45,750 00 46,440 00 

Ohio Southern R.R. bonds, . . . 53,500 00 50,600 00 

Oregon Short Line R.R. bonds, . . . 4,000 00 3,640 00 

Denver, So. Park and Pacific R.R. bonds, . 29,500 00 28,800 00 

St. Louis, Hannibal and Keokuk R.R. b'ds, 10,000 00- 10,000 00 

Lebanon Springs R R. bonds, . . . 48,000 00 50,000 00 

St. Johnsbury and L. Champ. R.R. bonds, . 30,000 00 31,500 00 

Buffalo, N. Y. and Phila. R.R. bonds, . 24,650 00 24,840 00 

Florida, Central and Western R.R. bonds, 16,666 67 19,500 00 

Des Moines, Osceola and South'n R.R. b'ds, 25,000 00 26,000 00 

United States bonds, 100,000 00 101,000 00 

Council Bluffs city water works bonds, . 20,000 00 20,000 00 

Burlingame city bonds, .... 4,000 00 4,400 00 

Cleveland city bonds, .... 25,000 00 28,750 00 

Kansas City water works bonds, . . 97,500 00 109,000 00 

St. Joseph water works bonds, . . . 100,000 00 106,000 00 

City water works bonds, Omaha, . . 75,000 00 79,500 00 

Knoxville water works bonds, . . . 25,000 00 25,750 00 

Hornellsville water works bonds, . . 24,375 00 25,750 00 

White County (111.) bonds, . • . 11,550 00 12,960 00 

Cass County (111.) bonds, .... 17,100 00 19,950 00 

Kankakee County (111.) bonds, . . . 30,000 00 32,400 00 

Warren County (111.) bonds, . . . 20,900 00 24,200 00 

Gallatin County (111) bonds, . . . 24,750 00 27,000 00 

Greenwood County (Kansas) bonds, . . 20,000 00 21,000 00 

Leavenworth City Water Co. bonds, . . 50,000 00 51,500 00 

Leadville (Col.) Water Co. bonds, . . 14,625 00 15,750 00 

Spencer (Mass.) Water Co. bonds, . . 50,000 00 51,500 00 

Wallingford (Conn.) Gas Light Co. bonds, 9,750 00 10,200 00 

Quincy (Mass.) Water Co. bonds, . . 37,050 00 38,760 00 



20 



MASSACHUSETTS LIFE 



[Dec. 31, 



Monmouth (111.) Township bonds, . 
Kankakee (111.) Township bonds, 
Edwardsville (111.) Township bonds, 
Douglass (111.) Town bonds, 



Cash value. 

$24,375 00 
11,000 00 
11,700 00 
32,000 00 



Market value. 

$26,750 00 
11,880 00 
12,840 00 
32,960 00 



$2,251,353 39 $2,337,912 00 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY OF 

BOSTON. 

[Incorporated April 1, 1835. Commenced business Dec. 1, 1843.] 

Benjamin F. Stevens, President. Joseph M. Gibbens, Secretary] 



Income. 

Total premium income, . .... 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
for rents of company's property, 
profit and loss account, 

Total income, 

Net or ledger assets Dec. 31, 1882, .... 

Total, • . 



$1,961,319 10 

698,149 93 

74,882 28 

62,361 15 

160,489 29 

$2,957,201 75 
14,707,391 89 

. $17,664,593 64 



Disbursements. 

Cash paid for losses and additions, $958,067 89 

Premium notes or loans used in payment of same, . . 40,116 11 

Cash paid for matured endowments and additions, . . 312,249 17 

Premium notes or loans used in payment of same, . . 24,106 83 

Gross amount paid for losses and endowments, . $1,334,540 00 

Cash paid for surrendered policies, * 118,584 09 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 69,852 29 

Cash distributions paid policy-holders, applied in payment 

of premiums, 481,371 46 

Premium notes or loans used in payment of distributions, 52,215 15 

Total paid policy-holders, $2,056,562 99 

Cash paid for commissions to agents, .... 145,643 18 

for medical examiner's fees, . . . . 11,138 50 

for salaries of officers and office employees, . 82,646 97 



1883.] 



INSURANCE COMPANIES. 



21 



Cash paid for taxes and fees, 
for advertising, . 
for incidentals, . 
for interest, 

Total disbursements, . 

Balance, 



$32,512 49 

10,042 31 

99,803 37 

483 27 

$2,438,833 08 

115,225,760 56 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . ■ 

Cost value of stocks and bonds owned (schedule B) , 

Cash deposited in bank, . . 

Quarterly and semi-annual premium notes, 

Ledger assets (as per balance) , 



$1,279,165 54 

2,222,148 00 

1,951,157 82 

4,000 00 

957,169 36 

7,921,961 40 

646,912 81 

243,245 63 

$15,225,760 56 



Other Assets. 

Interest due and accrued, . $180,962 86 

Rents due and accrued, 13,858 49 

Market value of stocks and bonds, over cost, . . 1,375,276 10 

Uncollected premiums on policies in force, $117,872 26 

Deduct loading (20 per cent), . . . 23,574 45 

Net am't uncollected and deferred prem's, 94,297 81 



Total assets per company's books, 



. $16,890,155 82 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Death losses unpaid, ..... $166,099 00 
Matured endowments unpaid, . . . 29,244 00 

Total policy claims, .... 

Unpaid distributions of surplus due policy-holders, . 
Contingent liability for possible claims on lapsed policies, 

Liabilities as to policy-holders, 

Surplus as regards policy-holders, 



$13,981,704 00 



195,343 00 
86,531 26 
53,160 00 

$14,316,738 26 
2,573,417 56 



Gross liabilities, $16,890,155 82 



22 



MASSACHUSETTS LIFE 



[Dec. 31, 



Premium Note Account. 

Premium notes on hand Dec. 31, 1882, . $1,281,086 97 

received during 1883, . 454,110 60 

Total, $1,735,197 57 

Used in payment of losses and claims, . $64,222 94 
Used in payment of surrendered policies 

and voided by lapse, .... 69,852 29 
Used in payment of distributions to policy- 
holders, . 52,215 15 

Redeemed by maker in cash, . . . 348,492 20 

Total, . . 534,782 58 

Balance note assets Dec. 31, 1883, .... $1,200,414 99 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, ...... 13,408 $42,246,461 00 

Endowment policies, 4,360 11,549,395 00 

All other policies, 2,086 5,501,881 00 



New Policies issued in 1883. 



Whole-life policies, 642 


1,863,059 00 


Endowment policies, 1,852 


4,935,012 00 


All other policies, . . . . , .17 


29,279 00 


Old Policies revived during the Year. 




Whole-life policies, 91 


321,500 00 


Endowment policies, 33 


81,700 00 


All other policies, 2 


5,000 00 



Total number and amount, 



22,491 $66,533,287 00 



Policies ceased to be in force during the Year. 





Number. 


Amount. 


Terminated by death, .... 


. 290 


$1,039,694 00 


by maturity, .... 


. 144 


350,267 00 


by expiry, .... 


. 49 


57,236 00 


by surrender, .... 


. 204 


631,606 00 


by lapse, 


. 742 


2,064,225 00 


by change and decrease, 


7 


33,000 00 


Not taken, . . . . 


. 226 


662,668 00 



Total terminated, 



1,662 $4,838,696 00 



1883.] 



INSURANCE COMPANIES. 



23 



Whole-life policies, 
Endowment policies, 
All other policies, 

Totals, . 



Policies in force Dec. 31, 1883. 

Number. Amount. 

13,158 $41,370,720 00 

5,655 14,984,345 00 

2,016 5,339,526 00 



20,829 $61,694,591 00 



Schedule A. 

Securities held as Collateral. 



150 shares Worcester Nat'l Bank, 
14 certificates Huntington Avenue lands 

United States 4 per cent, bonds, 

300 shares Atchison, Top. and S. Fe R.R. 

300 " Third Nat'l Bank, . 

Policy of life insurance, 

600 shares Proprietors Revere House st'ck 

750 " Atchison and Topeka R.R. Co 
12 " Freeman's Nat'l Bank, 

Atchison, Top. & S. Fe Land Grant bonds 
9 certificates Huntington Avenue lands 

350 shares Iowa R.R. Land Co., 

350 " Cedar Rap. and Mo. R. R.R. Co. 

300 " Union Pacific, . 

Atchison, Colorado and Pacific R.R. bonds 

150 shares Nat'l Bank of Commerce, 

200 " Continental Nat'l Bank, . 

152 " Chicago, Burl, and Q. R.R. Co. 

100 " Fitchburg R.R. Co., . 

100 " Chicago, Burl, and Q. R R. Co. 

United States 4^ per cent, bond, 

150 shares Atch., Top. and S. Fe R.R. Co. 
10 " Chicago, Burl, and Q. R R. Co. 

150 " Atch., Top. and S. Fe R R. Co. 

120 " Roxbury Gas Light Co , . 

100 " Union Pacific R.R. Co., . 

100 " Chicago, Burl, and Q. R.R. Co 
3 " Fifty Associates, 

100 " Atchison and Topeka R.R. Co 

Eastern R.R. Co. bonds, 

Atchison, Topeka and Santa Fe R.R. bonds 

Old Colony R.R. bonds, . 

Chicago, Burl, and Quincy R.R. bonds, 

City of Chicago bonds, 

City of Cincinnati bonds, ... 

Jackson, Lansing and Saginaw R.R. bonds 



} 



Market value. 

$19,050 00 

49,000 00 

1,240 00 

23,550 00 

28,500 00 

4,825 00 

78,000 00 

58,875 00 

1,425 00 

11,500 00 

31,500 00 

12,950 00 

36,750 00 

21,225 00 

54,000 00 j 

17,362 50 

21,700 00 

18,316 00 

12,150 00 

12,050 00 

1,148 75 

11,775 00 

1,205 00 

11,775 00 

20,760 00 

7,075 00 

12,050 00 

6,000 00 

7,850 00 

5,550 00 

2,300 00 

2,340 00 

2,410 00 

2,400 00 

2,580 00 

5,650 00 



Amount loaned. 

$15,000 00 

40,221 57 

1,000 00 

20,000 00 

30,000 00 

50,000 00 

38,231 25 

1,000 00 

10,000 00 

26,505 00 

1 

[ 100,000 00 



35,000 00 

25,000 00 

10,000 00 
900 00 

10,000 00 
1,000 00 
8,000 00 

32,000 00 

5,000 00 
7,000 00 



y 20,000 oo 



24 



MASSACHUSETTS LIFE 



[Dec. 31, 



Market value. Amount loaned. 



80 shares N'l B'k of the Commonwealth 
60 " American Loan and Trust Co. 
Iowa Falls and Sioux City R.R. bond, 
United States 4 per cent. Loan, . 
Union Pacific R.R. bonds, . 
230 shares Glendon Iron Co., . 
300 " Union Pacific R.R. Co., . 
1450 " Atch., Top. and S. Fe R.R. Co. 
United States 4 per cent, bonds, 

250 shares Continental Nat'l Bank, . 

90 " Third Nat'l Bank, Boston, 

150 " Norwich and Wor. R.R. Co., 
1700 " Union Pacific R.R. Co., . 
Union Pacific R.R. bonds, . 
New York and New England R.R. bonds 
Ogdensburg and L. Champlain R.R. bond 
Massachusetts State bond, . 
Cincinnati municipal bonds, 
Old Colony R R. Co. bonds, 
Massachusetts State bonds, 
Metropolitan R.R. bonds, . 
Boston and Lowell R.R. bonds, 
City of Boston bonds, 
Boston and Albany R.R. Co. bonds, 
Chicago, Burl, and Quincy R.R. bonds, 
City of Portland bonds, 

336 shares Atchison, Top. and S. Fe R.R 
1000 " Chicago, Burl, and Q. R.R Co 

150 " Atchison and Topeka R.R. Co 
Connecticut and Passumpsic R.R. bond, 
Boston currency loan. 
United States 4J per cent, bond, 
Atchison, Top. and S. Fe R.R. Co bonds, 
1300 shares Union Pacific R.R. Co., . 

300 " Oregon Imp. Co., . 
South Pacific R.R. Co. of Missouri bonds, 
Burlington and Miss. River in Neb. bonds 
Pueblo and Arkansas Valley R.R. bonds, 
Union Pacific R.R. (S. F.) bonds, 

50 shares Chicago, Burl, and Q. R.R. Co. 
100 " Fitchburg R.R. Co , . 
150 " Atchison and Topeka R.R. Co. 
225 " Union Pacific R.R. Co., . 
750 " Rensselaer & Saratoga R.R. Co 
250 " Norwich & Worcester R.R. Co. 
200 " Chicago, Burl, and Q. R.R. Co. 
170 " Glendon Iron Co., . 
Ottawa and Burlington R.R. bonds, . 



$8,920 
5,400 
1,190 
2,480 
34,500 
18,400 
21,225 
113,825 
37,200 
27,125 
8,550 
22,500 
120,275 
115,000 
46,750 
1,020 
1,140 
2,580 
2,340 
2,280 
2,160 
8,480 
30,560 
2,360 
1,140 
3,540 
26,376 
120,500 
11,775 
1,200 
5,950 
1,140 
7,850 
91,975 
18,300 
15,600 
16,700 
11,600 
9,200 
6,025 
12,150 
11,775 
15,918 
108,750 
37,500 
24,100 
13,600 
45,000 



} 



00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 ) 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

oo 

00 
00 
00 
00 
00 
75 
00 
00 
00 
00 
00 



$12,000 00 

1,000 00 

2,000 00 

30,000 00 

12,000 00 

20,000 00 

100,000 00 

32,000 00 

25,000 00 

7,000 00 

15,000 00 

100,000 00 

100,000 00 

50,000 00- 



\ 50,000 00- 



} 



20,000 00' 

100,000 oo 

10,000 00 

500 00 

5,000 00. 

700 00 

7,500 00 

97,500 00 
30,000 00' 

18,000 00 

3,000 00* 

5,000 00 

10,000 00 

15,000 00 

100,000 00 

20,000 00 
50,000 00 



1883.] 



INSURANCE COMPANIES. 



25 



109 shares Glendon Iron Co., 

700 " Chic, Mil and St. Paul R.R. Co 

Lansing, Jackson and Saginaw R.R. bonds 

Oregon Short Line bonds, . 

300 shares Atchison, Top. and S. Fe R.R. 

Sonora Railway Co. bonds, 

100 shares Chicago, Burl, and Q. R.R. Co. 

150 " Atch., Top. and S. Fe R.R. Co. 

100 " N.Y. Cent'l&Hud.R.R.R. Co. 

Atch., Top. & S. Fe R.R. b'ds, Dutch stamp 

Union Pacific R.R. 1st mortgage bonds, 



Market value. 

$8,720 00 

69,300 00 

9,360 00 

5,430 00 

23,550 00 

4,800 00 

12,050 00 

11,775 00 

11,100 00 

240,000 00 

114,000 00 



} 



Amount loaned. 

$5,000 00 

60,000 00 

20,000 00 

2,100 00 

10,000 00 

10,000 00 

10,000 00 

200,000 00 

100,000 00 



$2,380,847 00 $1,951,157 82 



72 shares 


100 


*t 


333 


tt 


100 


tt 


50 


tt 


21 


u 


91 


tt 


107 


tt 


150 


tt 


150 


tt 


240 


K 


320 


It 


200 


(4 


375 


It 


250 


(( 


120 


tt 


100 


it 


100 


M 


818 


tt 


300 


tl 


1162 


tt 


800 


tt 


150 


tt 


150 


(t 


850 


tt 


100 


tt 


200 


tt 


266 


tt 


200 


tt 


105 


tt 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. Market value. 

Atlantic Nat'l Bank, . . $7,101 00 $11,088 00 

Bay State Nat'l Bank, . . 7,500 00 9,000 00 

Boston Nat'l Bank, . . . 33,300 00 40,959 00 

Continental Nat'l Bank, . . 10,000 00 11,000 00 

First Nat'l Bank of Cambridge, 5,000 00 8,300 00 

Massachusetts Nat'l Bank, . 5,250 00 6,300 00 

Merchants' Nat'l Bank, . . 9,100 00 12,194 00 

Nat'l City Bank of Lynn, . 10,716 67 17,922 50 

Nat'l Revere Bank, . ... 15,000 00 17,700 00 

Nat'l Hide and Leather Bank, 15,000 00 16,725 00 

Nat'l Eagle Bank, . . 24,000 00 26,280 00 

Fremont Nat'l Bank, . . 31,951 25 34,240 00 

Nat'l Webster Bank, . . 20,000 00 21,900 00 

Boston Safe Dep. & Trust Co., 37,500 00 45,000 00 

Merchandise Nat'l Bank, . 25,000 00 24,000 00 

State Nat'l Bank, . . . 10,273 10 15,480 00 

Third Nat'l Bank, . . . 10,000 00 9,500 00 

Globe Nat'l Bank, . . . 10,000 00 10,300 00 

Boston and Albany R.R. , . 81,800 00 143,968 00 

Boston and Providence R.R., . 29,950 00 50,100 00 

Chicago, Burl, and Q.R.R. Co., 116,132 77 140,021 CO 

Conn. & Passumpsic R.R. Co., 36,000 00 66,800 00 

Fitchburg R.R. Co., . . 14,752 00 18,225 00 

N. Y., N. H. & Hart. R.R. Co., 15,000 00 26,700 00 

Norwich & Worcester R.R. Co. 84,925 25 130,050 00 

Northern R.R. Co., . . . 10,000 00 11,100 00 

Connecticut River R.R. Co., . 20,000 00 32,600 00 

Chicago and Alton R.R. Co , . 26,600 00 35,644 00 

Port,, Saco and Ports. R.R. Co , 20,000 00 23,000 00 

Eastern R.R. of N.H., . . 3,150 00 9,450 00 



26 



MASSACHUSETTS LIFE 



[Dec. 31, 



Eastern R.R. bonds, 

Philadelphia, Wil. and Bait. R.R. bonds, . 
Agricultural Branch R.R. bonds, 
Michigan Central R.R. bonds, . 
Boston, Concord and Montreal R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Worcester and Nashua bonds, . 
New Haven and Derby R.R. bonds, 
Nashua and Rochester R.R. bonds, 
Albany city loan, 
Boston city bonds, 
Boston water loan, 
Boston sterling loan, . 
Chicago sewage water loan, 
New Hampshire loan, , 
Hartford city loan, 
Chelsea city bonds, . 
Lawrence city bonds, . 
Lynn city bonds, 
Massachusetts loan, . 
Rhode Island loan, 
Cincinnati city loan, . 
Beverly city loan, 
Worcester water loan, 
Lowell city loan, 
Brookline loan, . 
Somerville loan, . 
Fitchburg loan, . 
Springfield water loan, 
Providence loan, 
Loan to Providence & Worcester R.R. Co 
Norwich loan, . 
Meriden water loan, . 
Fall River loan, . 
Maine loan, 
Holyoke funding loan, 
Newton loan, 
Haverhill loan, . 
New York loan, . 
New England Mortgage Sec. Co. bonds, 
New Bedford loan, 
Salem loan, 
Taunton loan, 
Norwalk loan, 
Lewiston loan, 
Pawtucket loan, 

Loan to Boston and Lowell R.R. Co. 
to Fifty Associates, . 



Cost value. 

$275,000 00 

193,871 67 

14,895 00 

73,000 00 

500,000 00 

120,000 00 

75,000 00 

14,250 00 

116,191 66 

23,256 00 

207,736 12 

268,000 00 

190,000 00 

70,350 00 

26,000 00 

100,000 00 

206,504 17 

186,210 83 

226,000 00 

98,172 35 

50,000 00 

95,000 00 

80,000' 00 

110,000 00 

56,533 33 

410,600 00 

10,000 00 

125,485 17 

126,000 00 

146,403 06 

25,000 00 

94,000 00 

100,000 00 

203,000 00 

7,000 00 

5,000 00 

70,000 00 

5,000 00 

300,000 00 

100,000 00 

10,000 00 

10,000 00 

39,000 00 

50,000 00 

100,000 00 

150,000 00 

50,000 00 

165,000 00 



Market value. 

$305,250 00 

215,690 00 

18,000 00 

81,760 00 

572,500 00 

149,700 00 

75,000 00 

17,700 00 

125,000 00 

28,800 00 

258,280 00 

289,440 00 

209,000 00 

90,000 00 

31,200 00 

118,000 00 

248,040 00 

220,785 00 

253,210 00 

117,420 00 

60,000 00 

113,100 00 

84,800 00 

123,500 00 

64,125 00 

447,716 00 

10,000 00 

157,250 00 

171,360 00 

164,850 00 

25,000 00 

115,320 00 

113,500 00 

234,450 00 

7,840 00 

5,450 00 

87,400 00 

5,600 00 

357,000 00 

105,000 00 

11,400 00 

11,500 00 

47,190 00 

52,500 00 

107,250 00 

161,812 50 

50,000 00 

165,000 00 



1883.] 



INSURANCE COMPANIES. 



27 



Loan to Boston, Concord & Montreal R.R., 
to Mass. Loan and Trust Co., . 
to Boston and Maine R R., 
55 shares Boston Gas Light Co., 
5 " Dwight Manufacturing Co., 
5 " Massachusetts Cotton Mills, 
United States bonds, .... 



Cash value. 

$20,000 00 

200,000 00 

200,000 00 

27,500 00 

5,000 00 

5,000 00 

1,042,000 00 



Market value. 

$20,000 00 

200,000 00 

200,000 00 

47,025 00 

3,500 00 

5,812 50 

1,310,665 00 



$7,921,961 40 $9,297,237 50 



STATE MUTUAL LIFE ASSURANCE COMPANY OF 
WORCESTER. 

[Incorporated March 16, 1844. Commenced business June 1, 1845.] 

A. G. Bullock, President. Henry M. Witter, Secretary 

Income. 
Total premium income, 



Cash received for interest and rents, 



Total income, .... 
Net or ledger assets, Dec. 31, 1882, . 



Total, 



Disbursements. 
Cash paid for losses and additions, .... 
for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, . 
Cash dividends paid policy-holders, applied in payment 
of premiums, 

Total paid policy-holders, . 
Cash paid for commissions to agents, 

for salaries and travelling expenses 

for medical examiner's fees, 

for salaries of officers and office employees, 

for taxes and fees, 

for advertising and incidentals, 

profit and loss, .... 

Total disbursements, .... 

Balance, 



$467,136 52 
143,750 97 



$610,887 


49 


2,868,873 96 


$3,479,761 


45 


$126,969 


41 


63,540 


00 


$190,509 


41 


14,040 


59 


87,353 


16 


$291,903 


16 


66,067 


50 


15,545 


32 


3,400 


00 


9,575 


41 


6,698 


03 


10,609 


92 


9,365 00 


$413,164 34 



5,066,597 11 



28 



MASSACHUSETTS LIFE 



[Dec. 31, 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B) , 

Cash deposited in bank, 

Ledger assets (as per balance), . 

Other Assets. 

Interest and rents due and accrued, ..... 
Market value of stocks and bonds, over cost, . 

Total assets per company's books, .... 

Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Deduct net value of reinsured risks, .... 

Net reinsurance reserve, 

Death losses and matured endowments in 

process of adjustment, . . . . $11,000 00 
Claims resisted by the company, . . 15,000 00 

Total policy claims, .... 

Liabilities as to policy-holders, 

Surplus as regards policy-holders, 

Gross liabilities, . . . . . 



$37,500 00 

189,915 00 

1,900 00 

20,002 00 

42,486 61 

2,734,568 85 

40,224 67 

£3,066,597 11 



40,000 00 
195,191 17 



1,301,788 28 



>,611,930 00 
532 00 

>,611,398 00 



26,000 00 

>,637,398 00 
664,390 28 

5,301,788 28 



Premium Note Account. 

Premium notes on hand, Dec. 31, 1882, . $32,174 93 
received during 1883, . 74,313 93 

Total, $106,488 86 

Redeemed by maker in cash, 64,002 25 

Balance note assets, Dec. 31, 1883 $42,486 61 



Exhibit of Policies. 

Policies and additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, . .... 3,874 $8,775,030 00 

Endowment policies, . . . . . 1,291 3,079,995 00 

Reversionary additions, .... - 161,320 00 



1883.] 



INSURANCE COMPANIES. 



29 



New Policies issued in 1883. 

Whole-life policies, 

Endowment policies, 

Whole-life policies revived during the year, 
Additions by dividends, .... 

Total number and amount, 



Number. 


Amount. 


241 


$806,700 00 


613 


2,088,500 00 


1 


1,000 00 


- 


4,339 00 



6,020 $14,916,884 00 



Policies ceased to be in force during the Year. 

Number. 

Terminated by death, . . 57 

by maturity, . 

surrender, 

lapse, 

change and decrease, 
Not taken, 



31 

50 



1 



33 



Total terminated, 



Amount. 

$121,969 00 

63,540 00 

126,495 00 

304,500 00 

50,767 00 

87,500 00 



309 $754,771 00 



Policies in force Dec. 31, 1883. 

Number. Amount. 

Whole-life policies, . . . . . 3,921 $9,106,597 00 

Endowment policies, 1,790 4,898,426 00 

Reversionary additions, .... - 157,090 00 



Totals, . 



5,711 $14,162,113 00 



SCHEDUDE A. 

Securities held as Collateral. 

Market value. 

19 shares Quinsigamond National Bank, . $1,900 00 



Amount loaned. 

$1,900 00 



Schedule 

Stocks and Bonds owned 

United States bonds, .... 
Boston and Albany R.R. bonds, 
Boston and Albany R.R. stock, . 
Worcester and Nashua R.R. bonds, . 
Providence and Worcester R.R. bonds, 
Providence and Worcester R.R. stock, 
Fitchburg R.R. bonds, 
B. C. F. and N. B. R.R. bonds, . 
N. Y. Lack, and Western R.R. bonds, 
Chicago and N. W. R.R. bonds, 
Morris and Essex R.R. stock, 
Chicago, R. I. and Pacific R.R. stock, 



B. 

by the Company. 

Cost value. 

$390,485 46 

125,365 00 

18,350 00 

126,500 00 

306,000 00 

21,094 50 

123,625 00 

33,000 00 

46,333 75 

59,680 00 

25,450 00 

12,575 00 



Market value. 
$445,475 00 

142,780 00 
19,250 00 

125,000 00 

340,000 00 
21,942 00 

124,000 00 
33,000 00 
48,000 00 
59,470 00 
24,800 00 
11,700 00 



30 



MASSACHUSETTS LIFE 



[Dec. 31, 



Michigan Central R R. bonds, 

Old Colony R.R. stock, 

Boston and Maine R.R. stock, 

N. Y. C. and H. R.R. bonds, 

Chicago, Burl., and Quincy R.R. bonds, 

Boston and Lowell R.R. stock, 

N. Y. and N. E. R.R. bonds, 

Portland (Me.) city bonds, 

Springfield city bonds, 

Northampton town bonds, . 

Meriden (Conn.) city bonds, 

Bangor (Me.) city bonds, . 

Lawrence city bonds, 

Newton city bonds, . 

Newburyport city bonds, . 

Lowell city bonds, 

Portsmouth (N. H.) city bonds, 

Dover (N. H.) city bonds, . 

Worcester city bonds, 

Providence (R. I.) city bonds, 

Boston city bonds, 

Lynn city bonds, 

Cincinnati (Ohio) city bonds, 

St. Paul (Minn.) city bonds, 

Newark (N. J.) city bonds, 

Minneapolis (Minn.) city bonds 

St. Louis (Mo.) city bonds, 

Holyoke town bonds, . 

Pawtucket (R. I.) town bonds, 

Brookline town bonds, 

Amesbury town bonds, 

Medway town bonds, 

Winthrop town bonds, 

West Springfield town bonds, 

Berlin town bonds, 

Grafton town bonds, . 

Rutland town bonds, . 

Guilford (Vt.) town bonds, 

Clinton town bonds, . 

Beverly town bonds, . 

District of Columbia bonds, 

Quincy Water Co. bonds, . 

Third National Bank stock, Springfield, 

Westminster Nat. B'k stock, Westminster, 

Northborough N. B'k stock, Northborough, 

Wachusett Nat'l Bank stock, Fitchburg, . 

Leicester National Bank stock, Leicester, 

Millbury National Bank stock, Millbury, . 



Cost value. 

110,300 00 

13.874 25 
16,150 25 
21,075 00 

8,750 00 
10,773 13 
10,662 50 
28,841 49 
128,445 00 
23,500 00 
42,785 00 
26,375 00 
75,000 00 
26,750 00 
6,300 00 
62,500 00 
19,260 00 
24,610 00 
86,600 00 

25.875 00 
75,125 00 
10,500 00 

9,640 00 

50,500 00 

57,500 00 

41,922 50 

47,000 00 

11,200 00 

26,750 00 

20,000 00 

10,400 00 

6,350 00 

10,200 00 

12,625 00 

10,000 00 

10,000 00 

6,000 00 

7,000 00 

41,400 00 

51,375 00 

30,887 50 

15,075 00 

10,000 00 

5,000 00 

2,000 00 

2,500 00 

5,525 00 

8,000 00 



Market value. 

$10,400 00 

13,900 00 

16,000 00 

20,600 00 

8,700 00 

11,000 00 

9,500 00 

35,000 00 

161,860 00 

29,500 00 

44,460 00 

31,250 00 

80,500 00 

25,750 00 

6,480 00 

62,800 00 

21,240 00 

26,910 00 

88,000 00 

26,250 00 

78,000 00 

11,000 00 

9,600 00 

47,500 00> 

57,500 00 

41,000 00 

46,400 00< 

11,400 00« 

27,500 00 

20,000 00 

10,000 00 

6,000 00' 

10,300 00 

13,000 00 

10,200 00' 

10,100 00 

6,000 00- 

7,000 00 

40,800 00 

51,000 00 

30,100 00 

15,150 00 

17,500 00- 

5,000 00 

2,500 00' 

5,000 00 

6,100 00 

10,400 00' 



1883.] 



INSURANCE COMPANIES. 



31 



Grafton National Bank stock, Grafton, 
City National Bank stock, Worcester, 
Quinsigamond Nat'l B'k stock, Worcester 
Worcester Nat'l Bank stock, Worcester, 
Central National Bank stock, Worcester, 
Continental National Bank stock, Boston 
Shawmut National Bank stock, Boston, 
Howard National Bank stock, Boston, 
First National Bank stock, Boston, . 
Suffolk National Bank stock, Boston, 
Eliot National Bank stock, Boston, . 
Revere National Bank stock, Boston, 
Republic National Bank stock, Boston, 
Redemption National Bank stock, Boston 
Tremont National Bank stock, Boston, 
Webster National Bank stock, Boston, 
Hide and Leather Nat'l Bank stock, Boston 
Atlantic National Bank stock, Boston, 
Adams National Bank stock, No. Adams, 
First National Bank stock, Westborough, 



Cost value. 

$7,900 00 

4,000 00 

18,790 00 

4,900 00 

2,500 00 

10,012 50 

6,725 00 

17,115 50 

5,000 00 

3,350 00 

4,075 50 

6,756 25 

7,562 50 

15,985 00 

13,300 00 

5,275 00 

11,575 00 

24,723 75 

13,122 50 

540 00 



Market value. 

$9,875 00 

4,720 00 

18,700 00 

4,550 00 

3,500 00 

10,800 00 

7,504 00 

20,040 00 

9,750 00 

3,000 00 

5,000 00 

7,839 00 

9,525 00 

14,490 00 

10,800 00 

5,350 00 

12,320 00 

29,250 00 

10,620 00 

560 00 



$2,734,568 83 $2,929,760 00 



LIFE INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

op Annual Statements, for the Year ending 

December 31, 1883. 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



.2ETNA LIFE INSURANCE COMPANY OF HARTFORD, CONN. 

[Incorporated, 1820. Commenced business 1850.] 

Paid-up Capital, $1,000,000. 

Morgan G. Bulkeley, President. J. L. English, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for profits on bonds or stocks sold, . 

Total income, 

Net ledger assets, Dec, 31, 1882, .... 



^2,719,350 19 

1,487,039 43 

70,923 15 

11,398 63 

191,010 95 



$4,479,722 35 
26,756,069 56 



Total, $31,235,791 91 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash surrender values, including reconverted additions 

applied in payment of premiums, .... 



,195,760 23 
59,112 47 

671,170 60 
34,378 40 



.,960,421 70 
6,000 00 



,954,421 70 

42,528 45 

58,539 49 

204,108 79 



36 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash dividends paid policy-holders, applied in payment 

of premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, . 
Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employees, 
for taxes and fees, ..... 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, 

Total disbursements, . . . 

Balance, 



5,481 24 
136,748 49 



12,781,828 16 

87,500 00 

272,734 52 

18,102 16 

18,654 68 

56,532 32 

81,544 63 

8,999 78 

494 81 

10,138 31 

84,274 79 



53,420,804 16 



$27,814,987 75 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, ..... 

Loans on mortgage of real estate (first liens) , . 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B) 

Cash in company's^ office, 

deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Ledger assets (as per balance), . 



$447,200 79 
13,959,006 21 

554.093 31 

228.094 62 
2,115,692 16 
8,744,778 48 

26,819 87 

1,716,964 34 

20,724 69 

1,613 28 



$27,814,987 75 



Other Assets. 

Interest due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prems., 

Total assets per company's books, 



),371 09 
131,045 70 

$201,416 79 
40,283 35 



383,931 14 
680,220 31 



161,133 44 



. $29,040,272 64 



1883.] OF OTHER STATES. 37 

Items not Admitted. 

Agents' balances, $1,613 28 

Bills receivable, 20,724 69 

Total, . .. $22,337 97 



Total admitted assets, |29,017,934 67 

Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $23,849,658 00 
Deduct net value of reinsured risks, 57,244 00 



Net reinsurance reserve, . . . . . $23,792,414 00 

Death losses due and unpaid, . . . $35,117 00 
Matured endowments unpaid, . . . 40,121 00 

Death losses and matured endowments in 

process of adjustment, .... 261,259 00 
Claims resisted by the company, . . 36,000 00 

Total policy claims, .... 372,497 00 

Unpaid dividends of surplus due policy-holders, . . 55,685 38 

Due for premiums paid in advance, 3,029 30 



Liabilities as to policy-holders, $24,223,625 68 

Surplus as regards special policy-holders, . f 385,000 00 
as regards general policy-holders, 4,409,308 99 
Gross surplus as regards policy-holders, 4,794,308 99 



Gross liabilities, $29,017,934 67 

Premium Note Account. 

Premium notes on hand, Dec. 31, 1882, . $2,284,898 96 

received during 1883, . 121,610 66 

Total $2,406,509 62 

Used in payment of losses and claims, . $93,490 87 
of surrendered policies 

and voided by lapse, . 58,539 49 
of dividends to policy- 
holders, . . . 136,748 49 
Redeemed by maker in cash, . . . 13,434 30 

Total, 302,213 15 



Balance note assets, Dec. 31, 1883, .... $2,104,296 47 

Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 36,821 $53,689,763 00 

Endowment policies, 18,603 20,354,664 00 

All other policies, 3,804 8,884,433 00 



38 



LIFE INSURANCE COMPANIES [Dec. 31, 



New Policies issued in 1883. 



Whole-life policies, 
Endowment policies, . 
All other policies, 



Old Policies revived during the year. 

Whole-life policies, 

Endowment policies, .... 

All other policies, 



Number. 


Amount. 


1,926 


3,419,582 00 


2,526 


4,059,902 00 


1,045 


2,552,949 00 


year. 
13 


44,222 00 


7 


20,930 00 


5 


17,000 00 



Total number and amount, 



64,750 ^93,043,445 00 



Policies ceased to be in force during the year. 

Number. xlmount. 

Terminated by death, 819 $1,302,807 00 

by maturity, 

by expiry, 

by surrender, 

by lapse, . 
Not taken, . 



Total terminated, 



Policies in force Dec. 31, 1883. 



Whole-life policies, 
Endowment policies, 
All other policies, 

Totals, . 



. 801 


715,968 00 


. 175 


470,122 00 


. 744 


1,443,815 00 


. 893 


2,211,656 00 


. 964 


1,858,742 00 


4,396 


$8,003,110 00 


13. 

Number. 


Amount 


87,058 $53,701,751 00 


19,255 


21,955,681 00 


4,041 


9,382,903 00 



60,354 $85,040,335 00 



Schedule A. 

Securities held as Collateral. 







Market value. 


75 shares United States Bank, . 


$11,250-00 1 


300 ' 


' Willimantic Linen Co., 


15,000 00 


80 ' 


' /Etna Fire Insurance Co., 


18,000 00 


25 ' 


' Hartford Carpet Co., 


5,500 00 }• 


100 ' 


' Hartford City Coal and Salt Co. 


2,500 00 j 


13 ■• 


' United States Bank, . 


1,950 00 | 


44 ' 


' iEtna Fire Insurance Co., 


9,900 00 j 


400 ' 


Willimantic Linen Co., 


20,000 00 ^ 


50 ' 


' Hartford Carpet Co., 


11,000 00 j 


40 « 


' .Etna Fire Insurance Co., 


9,000 00 \ 


150 ' 


United States Bank, . 


22,500 00 j 
5,625 00 J 


25 ' 


' .Etna Fire Insurance Co., 



Amount loaned 



$47,700 00 



58,363 31 



1883.] 



OF OTHER STATES. 



39 



54 shares iEtna Fire Insurance Co., 
30 " Hartford Carpet Co., 
100 " iEtna Fire Insurance Co., 
Keithsburg Township bonds, 
City of Beardstown bonds, 
85 shares Union Salt Co., 
50 " United States Bank, 
10 ." Orient Fire Insurance Co., 
16 " Central Nat'l B'k, Middletown, 
77 " N.Y.,N.H. and Hartford R.R., 
91 " Travelers Insurance Co., 
156 " iEtna Fire Insurance Co., 
1300 " Wheeler & Wilson Manuf. Co. 
100. " Orient Fire Insurance Co., 
80 " Connecticut Fire Ins. Co., 
Little Rock, Miss. Riv. and Tex. R.R. bonds 
40 shares Hartford Carpet Co., 
330 " Hartford City Gas Light Co., 
162 " iEtna Fire Insurance Co., 
30 " iEtna Fire Insurance Co., 
47 " Phoenix Fire Insurance Co., 
.200 " Stanley Rule and Level Co., 
195 " Willimantic Linen Co., 
25 " Hartford Carpet Co., 
140 " Willimantic Linen Co., 
Pittsburgh and Western R.R. bonds, . 
233 shares Willimantic Linen Co., 
200 " Southern N. E. Telephone Co., 
200 " Phoenix Fire Insurance Co., 
100 " Meriden Britannia Co., . 
80 " Peck, Stowe & Wilcox Co., 
18 " iEtna Fire Insurance Co., 
10 " iEtna Fire Insurance Co., 
24 " Phoenix Fire Insurance Co., 



Market value. 

$12,150 00 

6,600 00 

22,500 00 

2,000 00 

1,500 00 

29,750 00 

7,500 00 

800 00 

1,600 00 

13,090 00 

26,390 00 

35,100 00 

97,500 00 

8,000 00 

9,600 00 

13,000 00 

8,800 00 

9,900 00 

36,450 00 

6,750 00 

7,520 00 

15,000 00 

9,750 00 

5,500 00 

7,000 00 

135,000 00 

11,650 00 

25,000 00 

32,000 00 

10,000 00 

6,000 00 

4,050 00 

2,250 00 

3,840 00 



Amount loaned. 

$21,400 00 

2,680 00 

25,000 00 
4,000 00 

1,200 00 

7,850 00 

11,400 00 

12,500 00 

74,000 00 

16,000 00 

8,000 00 

8,000 00 

6,000 00 

25,000 00 



!> 46,000 00 



120,000 00 

10,000 00 

10,000 00 

20,000 00 



} 



} 



12,000 00 

3,000 00 
4,000 00 



$755,765 00 $554,093 31 



Schedule B. 

Stocks and Bonds owned by 

235 shares Conn. River Banking Co., 
75 
918 
400 
560 
750 
739 
1552 



Metropolitan B'k, New York, . 
Phoenix Nat'l B'k, Hartford, . 
Mercantile N. Bank, Hartford, 
City Nat'l Bank, Hartford, . 
Hartford Nat'l B'k, Hartford, . 
First Nat'l Bank, Hartford, . 
Nat'l Exchange B'k, Hartford, 



the Company. 

Cost value. 

$20,356 00 
10,312 50 

124,285 50 
42,885 25 
60,900 75 

107,720 25 
92,060 66 
93,729 80 



Market value 

$11,750 00 

12,375 00 

151,470 00 

48,000 00 

.50,400 00 

127,500 00 

88,680 00 

116,4C0 00 



40 



LIFE INSURANCE COMPANIES [Dec. 31, 



1608 shares American Nat 1 ! B'k, Hartford 



565 
133 
250 
836 
700 
200 
50 
200 
100 



Far. and Mech. N. B'k, H'tf 'd 
Suffield Nat'l Bank, Suffield, 
New Britain Nat'l B'k, N. B., 
Charter Oak Nat'l B'k, H'tford 
^Etna Nat'l Bank, Hartford, 
Hartford Trust Co., Hartford 
United States Bank, Hartford 
Rockville Nat'l B'k, Rockville 
Security Company, Hartford, 
United States bonds, . . . 
368 shares Connecticut River R R , . 
84 " iEtna Fire Insurance Co., 

978 " N. Y., N. H. and Hartford R.R 

Indianapolis and Cincinnati R.R. bonds, 

Columbus and Indianapolis R R. bonds, 

Cincinnati and Indiana R.R. bonds, . 

Clevel'd, Painesville and Ash. R.R. bonds, 

St. Johnsbury and L. Champ. R.R. bonds, 

Union Pacific R.R. bonds, . 

Harlem and Portchester R.R. bonds, . 

N. Y. Central and Hudson R. R.R. bonds, 

Keokuk and Des Moines R R. bonds, 

121 shares Keokuk and Des Moines R.R. . 

Cleveland and Pittsburgh R.R. bonds, 

Atlantic Dock bonds, .... 

Chic, Mil. and St. Paul R.R. bonds, . 

Vermont Valley R.R. bonds, 

Hartford and Conn. Western R R. bonds, 

100 shares Chic, Burl, and Quincy R.R., 

200 " N.Y. Cent, and Hudson R. R.R. 

200 " Union Pacific R.R., . 

Terre Haute and Logansport R.R. bonds, 

South Carolina state bonds, 

Virginia state bonds, . 

Tennessee state bonds, 

Nebraska state bonds, 

Mississippi state bonds, 

Richmond city bonds, 

Galesburg city bonds, 

Mobile city bonds, 

Hartford non-taxable city bonds 

Hartford capitol city bonds, 

Hartford funded city bonds, 

Cleveland city bonds, 

Louisville city bonds, . 

Kansas City bonds, 

New Britain citv bonds, 



} 



Cost value. 

5,576 87 

102,462 25 
15,100 00 
28,450 00 
97,572 25 
79,969 46 
20,825 00 
5,262 50 
20,000 00 
10,000 00 

952,675 00 
39,372 25 
19,236 68 

144,145 75 
47,380 00 
45,000 00 
20,675 00 
13,671 25 

105,000 00 
30,690 00 
99,500 00 

100,000 00 

22,033 20 

747 50 
25,000 00 
25,000 00 

150,750 00 

300,000 00 
11,687 50 
25,000 00 
18,625 00 

100,000 00 
26,545 00 
23,357 94 
31,301 00 
39,678 85 
10,000 00 
20,500 00 
9,245 00 

141,500 00 
68,950 00 
87,740 00 

211,620 00 

135,230 00 
89,750 00 
90,500 00 

130,689 00 



Market value. 

$115,776 00 
73,450 00 
14,630 00 
31,250 00 

108,680 00 
87,500 00 
21,000 00 
7,500 00 
25,000 00 
11,500 00 
1,097,200 00 
60,352 00 
18,900 00 

166,260 00 
50,000 00 
50,000 00 
24,000 00 
14,700 00 

108,000 00 
34,500 00 

125,000 00 

125,000 00 

18.749 00 

1,000 00 

25.750 00 
26,500 00 

157,500 00 

300,000 00 

12,000 00 

23,000 00 

15,400 00 

104,000 00 

36,361 50 

15,200 00 

13,600 00 

39,678 85 

10,000 00 

25,500 00 

8,700 00 

91,975 00 

79,350 00 

105,600 00 

244,200 00 

164,400 00 

110,000 00 

110,000 00 

149,500 00 



1883.] 



OF OTHER STATES. 



41 



Chicago water loan city bonds, 
Springfield city bonds, 
Elizabeth funded city bonds,. 
Grand Rapids city bonds, 
Hartford city bonds, . 
Peoria city bonds, 
Beardstown city bonds, 
New Boston city bonds, 
Cleveland city bonds, 
Jersey City bonds, 
Newark city bonds, . 
Fort Wayne city bonds, 
Indianapolis city bonds, 
Quincy city bonds, 
Milwaukee water city bonds, 
Cincinnati city bonds, 
Hartford park bonds, 
Logansport city bonds, 
Marion city bonds, 
St. Paul city bonds, 
Webster city bonds, 
Girard city bonds, 
Lincoln city bonds, 
Creston city bonds, 
Emporia city bonds, 
Audubon city bonds, 
Warren county bonds 
Blackford county bonds, 
Carroll county bonds, 
Hamilton county bonds, 
Munroe county bonds, 
Ford county bonds, . 
Adams county bonds, . 
Christian county bonds, 
Cook county bonds, . 
Sangamon county bonds, 
Sangamon county bonds, 
Kankakee county bonds, 
Macoupin county bonds, 
Sangamon county bonds, 
White county bonds, . 
Gallatin county bonds, 
Randolph county bonds, 
DeWitt county bonds, 
Hudson (N. J.) county bonds, 
Iroquois county bonds, 
Ramsey county bonds, 
Marion (Indiana) county bonds, 



Cost value. 

$50,000 00 

82,405 00 

128,580 00 

5,581 83 

13,710 00 

100,200 00 

2,980 00 

9,750 00 

52,390 00 

122,900 00 

172,015 00 

40,305 00 

487,570 00 

37,564 00 

97,500 00 

100,000 00 

1,000 00 

61,200 00 

5,642 50 

52,350 00 

37,950 00 

5,000 00 

29,500 00 

10,000 00 

20,500 00 

5,600 00 

930 00 

19,000 00 

40,000 00 

5,800 00 

35,000 00 

104,000 00 

37,937 50 

30,250 00 

22,750 00 

8,500 00 

15,750 00 

24,687 50 

77,800 00 

46,000 00 

10,860 00 

10,400 00 

29,873 46 

20,850 00 

49,843 75 

22,221 50 

32,000 00 

200,250 00 



Market value. 

$55,000 00 
86,000 00 
57,600 00 
10,000 00 
14,700 00 

114,480 00 

5,000 00 

9,750 00 

57,200 00 

137,800 00 

200,100 00 
51,000 00 

557,000 00 
50,000 00 

120,000 00 

125,000 00 

1,000 00 

61,200 00 

5,500 00 

63,000 00 

37,950 00 

5,000 00 

30,680 00 

10,000 00 

20,500 00 

5,600 00 

1,000 00 

19,000 00 

42,000 00 

6,090 00 

40,000 00' 

109,200 00 
50,000 00 
31,000 00 
28,750 00 
10,800 00 
16,200 00 
25,000 00 
77,800 00 
52,500 00 
12,000 00 
13,000 00 
29,873 46 
20,000 00 
54,000 00 
23,100 00 
32,000 00 

210,000 00 



42 



LIFE INSURANCE COMPANIES [Dec. 31, 



Marion (Iowa) county bonds, 
Tazewell county bonds, 
Johnson county bonds, 
Moultrie county bonds, 
Ellsworth county bonds, 
Monroe county bonds, 
Ida county bonds, 
Macon county bonds, . 
Harper county bonds, 
Montgomery county bonds, 
Clay county bonds, 
Stafford county bonds, 
Washington county bonds, 
Reno county bonds, . 
Paris town bonds, 
Georgetown town bonds, 
Mt. Pulaski town bonds, 
Grant town bonds, 
Penn town bonds, 
Moline town bonds, . 
Rock Island town bonds, 
Lennox town bonds, . 
Dan bury town bonds, 
Bushnell town bonds, 
Ricks town bonds, 
Mattoon town bonds, . 
Winchester town bonds, 
Kirklin town bonds, . 
Galva town bonds, 
Keithsburg town bonds, 
DeWitt town bonds, . 
Ross town bonds, 
East Windsor town bonds, 
Stewart town bonds, 
Urbana town bonds, 
Sprague town bonds, 
Province Quebec town bonds, 
Bloomfield town bonds, 
Champaign town bonds, 
Worth town bonds, 
Sangamon town bonds, 
Shenandoah town bonds, 
Pleasant town bonds, 
Boone town bonds, 
Creek town bonds, 
Angus town bonds, 
Humeston town bonds, 
Harlan town bonds, 



Cost value. 

$25,000 00 

50,000 00 

85,000 00 

60,000 00" 

26,000 00 

7,000 00 

49,000 00 

15,000 00 

11,500 00 

7,000 00 

40,000 00 

5,000 00 

34,000 00 

20,500 00 

21,000 00 

27,000 00 

30,000 00 

30,000 00 

12,525 00 

19,750 00 

24,125 00 

3,500 00 

6,050 00 

40,800 00 

6,980 00 

20,250 00 

4,600 00 

3,000 00 

14,700 00 

23,000 00 

9,950 00 

36,480 00 

29,700 00 

3,000 00 

1,000 00 

40,133 33 

25,187 50^ 

40,824 00 

55,000 00 

9,000 00 

15,000 00 

14,000 00 

35,350 00 

13,000 00 

28,000 00 

5,000 00 

3,500 00 

6,600 00 



Market value. 

$25,000 00 

52,500 00 

87,550 00 

60,000 00 

26,780 00 

7,000 00 

49,000 00 

15,375 00 

11,500 00 

7,000 00 

40,000 00 

5,000 00' 

35,020 00 

20,500 00 

21,000 00 

27,000 00 

30,000 00 

30,000 00 

13,000 00 

25,000 00 

30,000 00 

3,500 00 

7,000 00 

40,800 00 

8,000 00 

27,000 00 

5,000 00 

3,000 00 

15,000 00 

23,000 00 

10,000 00 

36,480 00 

31,200 00 

3,000 00 

1,000 00 

40,133 33 

26,250 00 

40,000 00 

57,750 00 

9,000 00 

15,000 00 

14,000 00 

35,000 00 

13,000 00 

28,000 00 

5,000 00 

3,500 00 

6,600 00 



1883.] 



OF OTHER STATES. 



43 



Edgewood Village town bonds, 

Tuscola town bonds, . 

Butler town bonds, 

Emmetsburg town bonds, 

Allerton town bonds, . 

Lamard town bonds, . 

Hubbard town bonds, 

Fond du Lac town bonds, 

Sabula town bonds, . 

Lennox town bonds, . 

Lewiston town bonds, 

Creek town bonds, 

Neodesha town bonds, 

Sullivan town bonds, . 

Marcus school district school bonds, 

Creston town bonds, . 

Spring Creek town bonds, 

Paris Union town bonds, 

Cedar Rapids town bonds, 

Milton town bonds, ■ . 

Red Oak town bonds, . 

Ida Grove town bonds, 

Glad Brook town bonds, 

Centreville town bonds, 

Hampton town bonds, 

Union town bonds, 

Defiance town bonds, 

Batavia town bonds, 

Alta town bonds, 

Tipton town bonds, 

Portland town bonds, 

Odebolt town bonds, 

Spencer town bonds, 

Enfield town bonds, 

South English town bonds 

Carnargo town bonds, 

Van Home town bonds, 

Garwin town bonds, . 

Fort Dodge town bonds, 

Oxford Junction town bonds, 

Snow Hill town bonds, 

Goldfield town bonds, 

Chariton town bonds, 

Sibley town bonds, .. 

Peoria town bonds, . 

Clearfield town bonds, 

Dunlap town bonds, . 

Imogene town bonds, 



Cost value. 

$7,500 00 

10,000 00 

25,000 00 

4,000 00 

7,000 00 

10,000 00 

3,000 00 

75,000 00 

10,000 00 

8,400 00 

45,000 00 

28,000 00 

14,500 00 

600 00 

3,000 00 

47,000 00 

5,000 00 

17,000 00 

57,000 00 

4,000 00 

6,500 00 

17,000 00 

2,500 00 

18,000 00 

12,500 00 

2,000 00 

3,743 00 

10,000 00 

5,200 00 

28,000 00 

9,000 00 

4,750 00 

4,000 00 

4,200 00 

3,000 00 

5,000 00 

2,500 00 

1,400 00 

5,000 00 

5,000 00 

5,400 00 

2,000 00 

11,000 00 

2,000 00 

20,000 00 

2,200 00 

9,000 00 

2,500 00 



Market value. 

$7,500 00 

10,000 00 

25,000 00 

4,000 00 

7,000 00 

10,000 00 

3,000 00 

75,000 00 

10,000 00 

10,000 00 

46,350 00 

28,840 00 

14,500 00 

600 00 

3,000 00 

47,000 00 

5,000 00 

17,000 00 

57,000 00 

4,000 00 

6,500 00 

17,000 00 

2,500 00 

18,000 00 

12,500 00 

2,000 00 

3,800 00 

10,000 00 

5,200 00 

28,000 00 

9,000 00 

4,750 00 

4,000 00 

4,200 00 

3,000 00 

5,000 00 

2,500 00 

1,400 00 

5,000 00 

5,000 00 

5,400 00 

2,000 00 

11,000 00 

2,000 00 

20,000 00 

2,200 01) 

9,000 00 

2,500 CO 



44 



LIFE INSURANCE COMPANIES [Dec. 31, 



Ellsworth town bonds, 
Marshalltown town bonds, 
Lineville town bonds, 
Vermillion town bonds, 
Panora town bonds, . 
Saline county town bonds, 



Cost value. 

$1,850 00 

15,000 00 

4,000 00 

20,000 00 

8,500 00 

2,859 65 



Market value. 

$1,850 00 

15,000 00 

4,000 00 

20,000 00 

8,500 00 

2,859 65 



5,744,778 48 $9,424,998 79 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY OF 

HARTFORD, CONN. 

[Incorporated June, 1865. Commenced business Octocer, 1865.] 

Paid-up Capital, $150,000. 

Thomas W. Russell, President, Frederick V. Hudson, Secretary. 

Income. 

Total premium income, $158,019 87 

Cash received for interest on stocks, bonds and loans, . 70,336 07 

for other interest and rents, . . . 4,662 06 

Cash rec'd for profits on bonds, stocks or real estate sold, 20,581 57 



Total income, $253,599 57 

Net or ledger assets Dec. 31, 1882, 1,321,417 06 

Total, $1,575,016 63 



Disbursements. 



Cash paid for losses, 

paid for matured endowments, .... 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, . . . ... 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, $3,307.66 ; applied in 

payment of premiums, $2,607.32, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holder?, 



,583 47 
37,646 70 



1128,230 


17 


2,432 


09 


810 


47 


8,572 09 


5,914 


98 


2,499 


65 



$148,459 45 



1883.] 



OF OTHER STATES. 



45 



Cash paid for dividends to stockholders, 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employees, 

for taxes and fees, 

for legal expenses, 

for incidentals, 

Total disbursements, 

Balance, ......... 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loa*ns on mortgage of real estate (first liens), . 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B). 
Cash in company's office, 
deposited in bank, 
Bills receivable, . 
Agents' ledger balances, 
Non-resident tax, 

Ledger assets (as per balance), . 
Deduct depreciation from cost of assets, 

Total net or ledger assets, . 

Other Assets. 
Interest due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't uncollected and deferred prem's, 



,528 19 
16,735 37 

$27,263 56 
5,452 71 



Total assets per company's books, 

Items not Admitted 

Agents' balances, 

Bills receivable, . . . 

Total, 

Total admitted assets. 



$12,000 00 

9,974 66 

12,257 12 

1,744 62 

13,656 20 

4,278 60 

467 91 

6,140 65 

$208,979 21 

$1,366,037 42 



$237,546 60 

656,512 65 

4,400 00 

1,900 00 

93,503 28 

343,975 91 

158 49 

26,929 92 

303 10 

462 07 

345 40 

$1,366,037 42 
26,292 60 

$1,339,744 82 



$22,899 06 
19,651 09 



21,810 85 



• 


$1,404,105 


82 


$462 07 






303 10 









765 


17 


. , 


$1,403,340 65 



46 LIFE INSURANCE COMPANIES [Dec. 31 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $1,091,427 00 
Deduct net value of reinsured risks, . . . 9,969 00 

Net reinsurance reserve, 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 

Total policy claims, . 
Premiums paid in advance, 

Liabilities as to policy-holders, . . . . . $1,104,342 90 

Surplus as regards special policy-holders, $76,285 50 

as regards general policy-holders, 222,712 25 

Gross surplus as regards policy-holders, 298,997 75 



$6,234 86 
16,000 00 


$1,081,458 

22,234 
650 


00 
86 


. 


04 



Gross liabilities, ■ $1,403,340 65 



Premium Note Account. 



Premium notes on hand Dec. 31, 1882, 


$97,647 74 




received during 1883, 


8,371 75 




Total, 

Used in payment of surrendered policies 




$106,019 49 




and voided by lapse, .... 


$810 47 




Used in payment of dividends to policy- 






holders, 


2,499 65 




Redeemed by maker in cash, 


9,206 09 




Total, 




12,516 21 



Balance note assets Dec. 31, 1883, .... $93,503 28 

Exhibit op Policies. 

Policies in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, . . ... 3,389 $5,263,649 00 

Endowment policies, . . ... 509 522,889 00 

All other policies, 46 64,536 00 

New Policies issued in 1883. 

Whole-life policies, . 495 690,740 00 

Endowment policies, . 224 271,930 00 

All other policies, 13 52,800 00 



1883.] 



OF OTHER STATES. 



47 



Old Policies revived during the year. 



Whole-life policies, 

Endowment policies, 

Whole-life policies increased during the year, 

Total number and amount, . 



Number. 
6 
2 
I 


Amount. 

$9,500 00 
2,000 00 
1,500 00 


4,685 1 


16,879,544 00 



Policies ceased to be in force during the Year. 





Number. 


Amount. 


Terminated by death, .... 


. 48 


$87,639 00 


by maturity, .... 


. 96 


168,057 00 


by surrender, .... 


. 26 


54,561 00 


by lapse, 


. 227 


306,950 00 


by change and decrease, 


1 


22,000 00 


Not taken, 


. 132 
. 530 


173,700 00 


Total terminated, 


$812,907 00 « 



Policies in force Dec. 31, 1883. 



Whole-life policies, 
Endowment policies, 
All other policies, 



Totals, 



Number. Amount. 

3,457 $5,275,550 00 

646 685,751 00 

52 105,336 00 



4,155 $6,066,637 00 



Schedule A. 

Securities held as Collateral. 



20 shares Phoenix Fire Insurance Co., 
12 " Hartford Carpet Co., . 

Mortgage assigned to company, 



Market value. Amount loaned. 

$3,300 00 $2,500 00 

2,400 00 1,200 00 

3,000 00 700 00 



5,700 00 



$4,400 00 



Schedule B. 

Stocks and Bonds owned by 



Connecticut state bonds. . 
Tipton (Indiana) county bonds, 
Washington (Indiana) city bonds, 
Indianapolis (Indiana) city bonds, 
Evansville (Indiana) city bonds, 
Chicago (Illinois) city bonds, . 



Company. 

Cost value. 

$30,246 50 

13,016 25 

9,775 00 
24,500 00 
14,425 00 

1,950 00 



Market value. 

$30,060 00 

13,000 00 

10,500 00 

26,250 00 

15,000 00 

2,060 00 



48 



LIFE INSURANCE COMPANIES [Dec. 31, 



Quincy (Illinois) city bonds, 
South Norwalk (Conn.) city bonds, . 
Norwalk (Conn.) town bonds, . 
Woodburn (Iowa) school district bonds, 
Exira (Iowa) school district bonds, . 
Indianapolis and Cincinnati R.R. bonds, 
Lake Shore and Michigan So. R.R. bonds 
St. Johnsbury and L. C. R.R. bonds, . 
Terre Haute and Logansport R.R. bonds, 
125 shares N. Y., N. H. and H. R.R. stock 

16 " Shoe & Leather Nat'l B'k, N.Y. 
40 " Merchants 1 Exch. N'l B'k, N.Y. 
40 " Fourth Nat'l Bank, N.Y., . 

216 " American Nat'l Bank, Hartford 
104 " Phoenix Nat'l Bank, Hartford, 
52 " Charter Oak Nat'l B'k, Hartf 'd 
70 " Hartford Nat'l Bank, Hartford 
100 " First Nat'l Bank, Hartford, 
9 " vEtna Nat'l Bank, Hartford, 

17 '; Farmers' & M. N'l B'k, Hartf 'd 
86 " Conn. T. & S. Dep. Co , Hartf 'd 
50 " Security Co , Hartford, 

30 " City Nat'l Bank, Hartford, 
50 " Thames Nat'l Bank, Norwich, 



Cost value. 

$12,515 00 

35,817 00 

47,322 50 

2,500 00 

3,000 00 

9,610 00 

5,089 38 

10,500 00 

10,000 00 

16,793 03 

2,075 00 

2,750 00 

4,193 00 

13,538 00 

15,853 00 

6,700 00 

10,625 00 

13,978 25 

1,116 00 

3,270 00 

8,428 00 

4,750 00 

. 2,790 00 

6,850 00 

$343,975 91 



Market value 

$16,000 00 

35,100 00 

47,380 00 

2,500 00 

3,000 00 

11,025 00 

6,655 00 

10,500 00 

10,000 00 

21,875 00 

2,160 00 

1,800 00 

5,120 00 

15,120 00 

17,680 00 

7,592 00 

12,600 00 

11,400 00 

1,116 00 

2,074 00 

10,320 00 

6,100 00 

2,640 00 

7,000 00 



,627 00 



CONNECTICUT MUTUAL LIFE INSURANCE COMPANY OF 

HARTFORD, CONN. 

[Incorporated June 15, 1846. Commenced business Dec. 15, 1846.] 

Jacob L. Greene, President. John M. Taylor, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 
for profit and loss account, . 

Total income, 

Net' or ledger assets Dec. 31, 1882, .... 



$4,829,098 07 

2,226,553 17 

31,526 25 

20,366 16 

515,466 87 

247,212 35 

$7,870,222 87 

50,172,371 91 



Total, . 



$58,042,594 78 



1883.] 



OF OTHER STATES. 



49 



Disbursements. 

Cash paid for losses, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments, .... 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, $27,023.31 ; applied 

in payment of premiums, $1,109,119.93, 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for travelling expenses of agents, . 

for medical examiner's fees, 

for salaries of officers and office employees, 

for taxes and fees, 

for advertising, 

for incidentals, 

for expenses of real estate, 

Total disbursements, 

Balance, 



13,115,006 01 

63,767 64 

616,131 06 

18,072 61 

13,812,977 32 
135,474 14 

80,820 47 
562,883 32 

1,136,143 24 
53,553 30 



$5,781,851 79 

285,439 18 

9,931 64 

15,567 90 

105,095 37 

344,871 06 

33,398 19 

67,581 53 

183,276 80 

$6,827,013 46 

$51,215,581 32 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B). 
Cash deposited in bank, . . . . 
Agents' ledger balances, . . . . 

Ledger assets (as per balance), . 



$12,101,213 36 

24,049,620 50 

465,284 41 

2,849,266 50 

10,782,861 58 

964,748 34 

2,586 63 

$51,215,581 32 



Other Assets. 
Interest due and accrued, ,'..-. 
Rents due and accrued, . . ... 
Market value of stocks and bonds, over cost, 
Deferred premiums on policies in force, . 
Deduct loading (25 per cent ), . 
Net am't uncollected and deferred prem's, 

Total assets per company's books, 



,929 04 
16,732 26 



$1,029,792 71 

16,493 54 

259,037 11 



50,196 78 
$52,571,101 46 



50 LIFE INSURANCE COMPANIES [Dec. 31, 

Items not Admitted. 

Agents' balances, $2,586 63 

Depreciation from cost of real estate,* . 1,301,394 31 

Total, 11,303,980 94 



Total admitted assets, $51,267,120 52 

Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $47,788,862 00 
Death losses due and unpaid, . . . $16,217 25 
Matured endowments due and unpaid, . 8,132 00 

Death losses and matured endowments in 

process of adjustment, .... 233,402 00 
Claims resisted by the company, . . 50,923 00 

Total policy claims, .... 308,674 25 

Unpaid dividends of surplus due policy-holders, . . 93,456 52 

Contingent reserve on lapsed policies, .... 210,183 00 
Premiums paid in advance, etc., 128,118 22 



Liabilities as to policy-holders, $18,529,293 99 

Surplus as regards policy-holders, . . . . . 2,737,826 53 

Gross liabilities, $51,267,120 52 

Premium Note Account. 

Premium notes on hand Dec. 31, 1882, . $3,083,074 35 

received during 1883, . 23,238 00 

Total, $3,106,312 35 

Used in payment of losses and claims, . $81,840 25 
Used in payment of surrendered policies 

and voided by lapse, .... 104,058 47 
Used in payment of dividends to policy- 
holders, 53,553 30 

Redeemed by maker in cash, . . . 17,593 83 

Total, 257,045 85 



Balance note assets Dec. 31, 1883, . . . . $2,849,266 50 

Exhibit of Policies. 

Policies and Additions in force Dec 31, 1882. 

Number. Amount. 

Whole-life policies, 56,489 $142,707,503 00 

Endowment policies, 6,584 13,342,383 00 

All other policies, 589 1,055,865 00 



* In making up the value of the real estate owned, the same system has been employed as 
in previous years; and the result shows a recovery of $76,299.40 from the deduction in last 
report. 



1883.] 



OF OTHER STATES. 



51 



New Policies issued in 1883. 



Whole-life policies, 
Endowment policies, 
All other policies, 



2,839 

352 

29 



1,708,824 00 
633,021 00 
100,948 00 



Old Policies revived during the Year. 

Whole-life policies, 351 

Endowment policies, 22 

All other policies, 2 



1,084,715 00 

46,500 00 

5,000 00 



Total number and amount, 



67,257 $165,684,759 00 



Policies ceased to be in force during the Year. 



Terminated by death, 

by maturity, 



by expiry, . . . 

by surrender, . 

by lapse, 

by change and decrease, 



Not taken, 



Total terminated, 



Number. 


Amount. 


1,114 


$2,867,489 00 


315 


619,094 00 


24 


99,250 00 


1,116 


3,536,338 00 


811 


2,293.329 00 


- 


179,950 00 


282 


655,900 00 



3,662 $10,251,350 00 



Policies in force Dec. 31, 1883. 

Number. 



Amount. 



Whole-life policies, 
Endowment policies, 
All other policies, 



56,726 $141,861,522 00 

6,311 12,583,991 00 

558 987,896 00 



Totals, 


. 63,595 $155,433,409 00 




Schedule A. 


• 






Securities held as Collateral. 








Market value. Amount loaned. 


Hartford city bond, . . . 


$1,200 00 


$1,000 00 


100 shares JEtna Fire Insurance Co., 


22,200 00 


10,000 00 


14 


' N. Y., N. H. and Hartford R.R., 


2,464 00 


1,500 00 


50 


• Merchants' N'l B'k, Toledo, O., 


5,000 00 


4,000 00 


108 


' National Fire Insurance Co., . 


13,284 00 <* 




101 


* iEtna Fire Insurance Co., 


22,422 00 I 


72,000 00 


500 


' N Y. Cent'l and Hud. River R.R. 


56,000 00 J 




126 

27 


' Phoenix Insurance Co., 
' iEtna Insurance Co., 


20,916 00 "i 
5,994 00 / 


20,000 00 



52 



LIFE INSURANCE COMPANIES [Dec. 31, 



Detroit, Lansing and Northern R R. bonds 
Ionia and Lansing R.R. bonds, . 
Wisconsin Valley R.R. bonds, . 
Atchison and Nebraska R.R. bonds, . 
Terre Haute and Logansport R.R. bonds, 
Chicago and Western Indiana R.R. bonds 
2400 shares Indianapolis Nat'l Bank, 

172 " N. Y., N. H. and Hartford R.R. 
Columbia and Augusta R.R. bonds, . 



Market value. 

$48,380 00 ^ 



Amount loaned. 



11,150 00 



56,250 00 , 
21,600 00 j 
11,000 00 
22,000 00 
319,200 00 
30,272 00 
11,000 00 



y $100,000 oo 



25,000 00 

200,000 00 
31,784 41 



$680,332 00 |465,284 41 



Schedule B. 

Bonds and Stocks owned by the Company. 



United States bonds, . 
State of Tennessee bonds, . 
City of Evansville (Ind.) bonds, 
of Jackson (Mich.) bonds, 
of Toledo (Ohio) bonds, . 
of Fort Wayne (Ind.) bonds, 
of Louisville (Ky.) bonds, 
of Toledo (Ohio) bonds, . 
of Mobile (Ala.) bonds, . 
of Kansas City (Mo.) bonds, 
of Milwaukee (Wis.) bonds, 
of Quincy (111.) bonds, 
of Galveston (Tex.) bonds, 
Atlantic Dock Co., Brooklyn, N.Y., bonds 
Province of Quebec bonds, 
St. Louis County Park bonds, . 
St. Louis Chamber of Commerce bonds, 
Atchison, Topeka & Santa Fe R.R. bonds 
Baltimore and Ohio R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds 
Chicago, Milwaukee & St. Paul R.R bonds 
Chicago and Alton R.R. bonds, . 
Chicago and Northwestern R.R. bonds, 
Chicago and Southwestern R.R. bonds, 
Chicago, St. L. and N. Orleans R.R. bonds 
Chicago and Western Indiana R.R. bonds 
C, C. C. and Indianapolis R.R, bonds, 
Central Pacific R.R. bonds, 
Cleveland and Pittsburgh R.R. bonds, 
Cinn., Hamilton and Dayton R.R. bonds 
Cinn , Ind'polis, St. L. & Chic. R.R. bonds 
Dayton and Western R.R. bonds, 



Cost value. 

1,125 00 
19,900 00 
266,050 00 
99,000 00 
61,200 00 
75,000 00 
182,500 00 
50,700 00 
88,500 00 
47,500 00 
£96,000 00 
196,423 69 
100,000 00 
81,000 00 
15,468 75 
28,546 88 
487,000 00 
180,922 31 
269,375 00 
187,062 22 
625,856 16 
57,682 17 
331,040 32 
61,343 75 
776,562 50 
745,656 25 
62,950 83 
57,969 16 
51,264 73 
99,206 72 
73,252 51 
32,765 00 



Market value 
$134,000 00 
10,400 00 
266,050 00 
99,000 00 
61,200 00 
75,000 00 
238,000 00 
50,700 00 
88,500 00 
47,500 00 
704,000 00 
196,423 69 
100,000 00 
81,000 00 
15,450 00 
29,750 00 
487,000 00 
184,500 00 
285,000 00 
188,800 00 
616,820 00 
57,500 00 
327,800 00 
60,500 00 
795,000 00 
770,000 00 
59,000 00 
56,250 00 
50,580 00 
99,140 00 
69,930 00 
32,400 00 



1883.] OF OTHER STATES. 53 

Cost value. Market value. 

Delaware, Lacka. and Western R.R. bonds, $1,267 81 $1,250 00 

Detroit, Lansing and Northern R.R. bonds, 121,752 50 118,000 00 

Harlem River and Portchester R.R. bonds, 1,000,000 00 1,000,000 00 

Illinois Central R.R. bonds, . . . 209,000 00 210,000 00 

Lake Shore & Mich. Southern R.R. bonds, 209,924 25 202,500 00 

Lehigh Valley R.R. bonds, . . . 56,485 17 57,340 00 

Michigan Central R.R. bonds, . . , . 525,019 33 529,485 00 

Nashville and Decatur R.R. bonds, . . 59,554 63 58,000 00 

N. Y. Cent'l and Hudson River R.R. bonds, 786,241 67 780,000 00 

N. Y„ Lake Erie and Western R.R. bonds, 198,574 42 196,850 00 

Northern Pacific R.R. bonds, . . . 507,500 00 515,000 00 

Pittsburg, Cinn. and St. Louis RR. bonds, 60,629 94 60,000 00 

Philadelphia and Reading R.R. bonds, . 124,740 38 126,500 00 

St. Louis, Iron Mountain & So. R.R. bonds, 147,565 71 141,870 00 

Union Pacific R.R. bonds, . . ' . . 54,640 33 53,500 00 

Vermont Valley R.R. bonds, . . . 301,500 00 315,000 00 

Wabash, St. Louis and Pacific R R. bonds, 162,880 49 156,000 00 

25 shares ^Etna Nat'l Bank, Hartford, Ct., 2,500 00 3,125 00 

100 " City Nat'l Bank, Hartford, Ct., 10,725 00 8,800 00 

10 " Charter Oak N'l B'k, Hartford, 1,055 00 1,480 00 

130 " First Nat'l Bank, Hartford, Ct., 13,000 00 15,080 00 

176 " Phoenix Nat'l B'k, Hartford, Ct., 26,081 00 29,920 00 

10 " State Bank, Hartford, Ct., . 1,275 00 1,090 00 

300 " Conn. T. & S. D. Co., Hartford, 30,000 00 36,000 00 

175 " First Nat'l Bank, Litchfield, Ct., 22,125 00 22,125 00 

160 " Fourth Nat'l Bank, N. Y. City, 16,000 00 20,480 00 

210 " N. Y., N. H. and Hartford R.R., 21,000 00 36,960 00 

50 " Connecticut River R.R., . . 5,000 00 8,350 00 

$10,782,861 58 $11,041,898 69 



EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED 
STATES, NEW YORK, N. Y. 

[Incorporated July 26, 1859. Commenced business July 28, 1859.] 

Paid-up Capital, $100,000. 

Henry B. Hyde, President. William Alexander, Secretary- 

Note by the Company. — Wherever the term "cash" is used in this statement, it means 
money in hand, or its equivalent in the Company's money obligations. 

Income. 

Total premium income, $10,727,547 96 

Cash received for interest on stocks, bonds and loans, . 1,506,919 82 
for interest on other debts due the company, 658,274 39 



54 



LIFE INSURANCE COMPANIES [Dec. 31 



Cash received for rents of company's property, 
for profit and loss account, 

Total income, 

Net or ledger assets, Dec. 31, 1882, . 



$444,003 55 
133,825 96 



. $13,470,571 68 
. 45,529,581 54 



Total $59,000,153 22 



Disbursements. 

Cash paid for losses and additions, .... 
for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, . . 

for surrendered policies, .... 
Cash dividends paid policy-holders, applied in payment 
of premiums, ......... 



Total paid policy-holders, 

Cash paid for dividends to stockholders, . . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, . 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 



!,042,104 78 
558,803 90 



53,600,908 68 

58,544 35 

999,808 74 

1,801,808 89 



1,461,070 66 
7,000 00 
661,158 25 
100,242 79 
105,204 15 
220,505 88 
107,060 11 

98,476 58 
247,905 66 

75,435 98 
483,843 43 

3,567,903 49 



,432,249 73 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 

on collateral security (schedule A), 
Cost value of stocks and bonds owned (schedule B), 

Cash in office and in bank, 

Agents' ledger balances, . . 

Commuted commissions, 

Ledger assets as per balance, .... 



$9,447,332 74 

13,072,941 20 

8,199,000 00 

15,341,915 12 

3,979,998 38 

278,517 14 

112,545 15 



$50,432,249 73 



1883.] OF OTHER STATES. 55 



Other Assets. 

Interest due and accrued, $365,276 45 

Rents due and accrued, 86,073 99 

Market value of stocks and bonds, over cost, . . . 765,653 53 
Uncollected premiums on policies in force, $446,125 00 
Deferred premiums on policies in force, . 935,203 00 



Total, $1,381,328 00 

Deduct loading (20 per cent.), . . . 276,265 60 

Net am't uncollected and deferred prems., — 1,105,062 40 



Total assets per company's books, .... $52,754,316 10 



Items not Admitted. 

Commuted commissions, .... $112,545 15 

Agents' balances, 278,517 14 

Total, . . . . . . . 391,062 29 



Total admitted assets, $52,363,253 81 



Liabilities. 

Computed premium reserve or net present value of all 
outstanding policies (Actuaries' 4 per cent.), . .$43,345,087 00 

Death losses due and unpaid, . . . $27,805 00 

Death losses and matured endowments in 

process of adjustment, .... 169,414 58 
Total policy claims, . . . , . . 197,219 58 

Unpaid dividends of surplus due policy-holders, . . 96,384 00 

Liability under lapsed policies, 66,008 86 



Liabilities as to policy-holders, $43,704,699 44 

Surplus as regards tontine policy-holders, $5,126,893 00 
as regards other policy-holders, . 3,531,661 37 
Gross surplus as regards policy-holders, . 8,658,554 37 



Gross liabilities, . . $52,363,253 81 

Exhibit of Policies. 



Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, ...... 57,671 $201,862,047 00 

Endowment policies, 7,261 24,344,414 00 

All other policies 748 1,942,774 00 

Reversionary additions, - 4,680,385 00 



56 



LIFE INSURANCE COMPANIES [Dec. 31, 



New Policies issued in 1883. 



Whole-life policies, 
Endowment policies, 
All other policies, 



Old Policies revived during the year 

Whole-life policies, 

Endowment policies, . . • . 
All other policies, . . . 
Additions by dividends, . . . " . 



15,734 


$67,206,409 00 


2,011 


9,294,569 00 


225 


592,714 00 


year. 




512 


2,057,050 00 


78 


268,200 00 


6 


17,500 00 


- 


1,693,314 00 



Total number and amount, . 



84,246 $313,959,376 00 



Policies ceased to be in force during the year 

Terminated by death, 

by maturity, 

by expiry, 

by surrender, 

by lapse, 
Not taken, . 

Total terminated, 

Policies in force Dec. 31, 1883. 

i Number. Amount. 

Whole-life policies, . . . , . . 66,151 $239,368,526 00 

Endowment policies, 8,202 28,924,739 00 

All other policies, 843 1,952,638 00 

Reversionary additions, - 4,914,685 00 



Number. 


Amount. 


844 


$3,072,232 00 


165 


532,568 00 


19 


147,250 00 


1,236 


6,202,788 00 


4,080 


15,052,540 00 


2,706 


13,791,410 00 


9,050 


$38,798,788 00 



Totals, ........ 75,196 $275,160,588 00 



Towanda Valley and Cuba R.R. bonds, 
Wells, Fargo & Co.'s Express stock, 
Central Pacific R.R. stock, . 
Southern Pacific of Cal. bonds, . 
Alleghany Central mortgage bonds, 
Omaha Railroad stock, 
Pullman Car Co. stock, 
Lake Shore Railroad stock, 
Michigan Central Railroad bonds, 
American Dock Imp. bonds, 
Toledo and Wabash bonds, 
Inda., Bloomington and Western bonds, 



Schedule A. 

Securities held as Collateral. 

Market value. 

$159,000 00 

149,500 00 

210,000 00 

62,100 00 

54,590 00 

3,350 00 

4,042 00 

2,251,500 00 

10,050 00 

9,200 00 

5,400 00 

8,975 00 



Amount loaned. 



1883.] 



OF OTHER STATES. 



57 



St. Paul, Minn, and Manitoba bonds, 
Bradford, Eldred and Cuba bonds, . 
St. Louis and San Francisco bonds, . 
United States Nat'l Bank stock, . 
New York, Lacka. and Westfn R.R. stock 
Pittsburgh and Western bonds, . 
International and Gt. Northern R R. bonds 
Mercantile Safe Deposit Co. stock, . 
Westmoreland Coal Co. stock, . 
Mercantile Trust Co. stock, 
Rochester and Pittsburg R.R. stock, . 

Wabash bonds, 

St. L., Kansas City and Northern bonds, 

New York city water stock, 

Delaware and Hudson Canal stock, . 

Indianapolis School ComVrs note, . 

Chesapeake and Ohio bonds, 

Galveston, Harrisburg and San Anto. b'ds 

Milwaukee and Northern bonds, 

Northwestern Tel. bonds, . 

Missouri, Kansas and Texas bonds, . 

Kansas and Pacific bonds, . 

Union Pacific R.R. stock, . . 

Texas and Pacific, Rio Grande Div. bonds 

Atlantic and Pacific bonds, 

Canada Southern bonds, 

Canada Pacific R R. stock, . 

St. Paul and Manitoba R.R. stock, 

New York Central R.R. stock, . 

United States Trust Co. stock, . 

West Shore and Buff. R.R. bonds, 

Syracuse, Ont. and New York bonds, 

Wabash general mortgage bonds, 

Humeston and Shenandoah bonds, . 

Quincy, Mo. and Pacific Inc. bonds, . 

Pittsburg, Cleveland and Toledo bonds, 

Utah So. Extension R.R. bonds, 

Louisville and Nashville bonds, 

Pittsburgh and Northern R R. bonds, 

Cleve., Col , Cinn. and Indianapolis stock 

Bankers 1 and Merchants' Tel. Co. stock, 

Chic, Burl and Quincy R R. stock, 

Northwestern R.R. stock, . 

Denver first mortgage bonds, 

Rock Island R.R stock, 

San Francisco R.R. stock, pref , 

Erie funded bonds, 

Ohio Southern bonds, 



Market value. 

$ 109,000 00 

78,000 00 

04,838 00 

202,500 00 

69,600 00 

448,060 00 

4,000 00 

650,000 00 

21,675 00 

126,000 00 

14,787 00 

21,600 00 

12,075 00 

51,000 00 

52,500 00 

35,000 00 

10,200 00 

9,400 00 

52,650 00 

73,500 00 

45,425 00 

192,000 00 

121,550 00 

11,480 00 

63,050 00 

170,000 00 

120,450 00 

18,950 00 

112,000 00 

14,100 00 

332,500 00 

75,000 00 

200,250 00 

360,000 00 

248,000 00 

300,000 00 

625,000 00 

569,160 00 

225,000 00 

101,244 00 

47,950 00 

24,100 00 

182,324 00 

2,150 00 

109,275 00 

9,000 00 

10,900 00 

19,560 00 



Amount loaned. 



58 



LIFE INSURANCE COMPANIES [Dec. 31, 



Oregon Transportation Co. bonds, 

Great Western R.R. bonds, 

Milwaukee and St. Paul bonds, 

Canada Southern bonds, . 

St. Paul R.R,. stock, pref., . 

St. Paul Railroad stock, 

Reading Railroad stock, 

Missouri Pacific R.R. stock, 

Jersey Central R.R; stock, . 

Buffalo and So. Western R.R, stock, pref, 

Chicago and New Orleans bonds, 

Alton and Terre Haute R.R. stock, pref., 

Illinois Central R.R. stock, 

Oregon Short Line bonds, . 

Burl., Cedar Rapids and Northern stock 

Western Union Tel. stock, . 

Delaware and Lacka. R.R. stock, 

Illinois Central R.R. leased line stock 

Texas and Pacific bonds, . 

St. Louis, Alton and Terre Haute pref. b'ds, 

New York, Lacka. and Western R.R. b'ds, 

West Shore bonds, 

Erie and Western R.R. stock, 

Michigan Central R R. stock, 

Alton and Terre Haute Div., 

Alton and Terre Haute common stock 

Northern Pacific bonds, 

Minn, and St. Louis R.R. pref. stock, 

Dubuque and Sioux City R.R. stock, 

Harlem Railroad stock, 

United States bonds, . 

Belleville and So. Illinois R.R. bonds 

Alton and Terre Haute R.R. stock, 

Mutual Union Tel. bonds, . 

So.-Western Penn. R R. loan, . 

Iron Mt. Railroad bonds, . 

Northwestern Railroad bonds, . 

Louisville and Nashville R.R. bonds, 

Wabash Railroad bonds, . 

Lacka. and Western R.R. bonds, 



Market value. Amount loaned. 

$3,240 00 
1,070 00 

1,250 00 
980 00 

9,553 00 

9,275 00 

2,762 00 

17,500 00 

1,700 00 

39,000 00 

56,180 00 

132,750 00 

135,660 00 

16,425 00 

8,500 00 
26,862 00 
93,200 00 
32,000 00 

2,870 00 

5,600 00 

1,000 00 

3,325 00 

28,500 00 

266,600 00 

19,250 00 

47,700 00 

8,400 00 
112,000 00 

7,700 00 

48,250 00 

124,000 00 

13,000 00 

42,400 00 

1,640 00 
26,000 00 

1,000 00 

2,000 00 

1,000 00 

2,000 00 

2,000 00 



$10,698,652 00 $8,199,000 00 

Schedule B. 

Stocks and Bonds owned by the Company, 

Cost value. Market value 

United States bonds, . . . . . $532,738 00 $620,000 00 

Cleveland city bonds, .... 3,315 00 3,420 00 

Columbus (Ohio) bonds, .... 8,400 00 8,880 00 



1883.] 



OF OTHER STATES. 



59 



St. Louis city bonds, . 

Fort Wayne (Ind.) bonds, . 

Buffalo city bonds, 

Seneca town bonds, . 

Sharon town bonds, . 

Newark city bonds, . 

Kearney City bonds, . 

Jersey City bonds, 

Mississippi state bonds, 

Virginia state bonds, . 

Erie R.R. bonds, 

Delaware and Hudson Canal bonds, 

Albany and Susquehanna R.R. bonds, 

Chic, Mil. and St. Paul R.R. bonds, . 

Wabash, St. Louis and Pacific R.R. bonds 

Wabash Railroad bonds, . 

St. L., Kansas City and Northern R.R. b'ds 

Toledo and Wabash R R. bonds, 

Illinois and Southern Iowa R.R. bonds, 

Troy and Boston R.R. convertible bonds, 

Watertown and Rome R.R. bonds, . 

Chicago and Northwestern R.R. bonds, 

St. Louis and Iron Mountain R.R bonds, 

Morris and Essex R.R. bonds, . 

Missouri Pacific R.R. bonds, 

Pennsylvania Co. bonds, . 

Kansas Pacific R.R. bonds, 

Internat'l and Gt. Northern R.R bonds, 

Chic, St. P, Minneap. and Omaha R.R. b'ds 

Michigan Central R.R. bonds, 

St. P., Minneap. and Manitoba R.R. bonds 

Central R.R. of New Jersey bonds, . 

Buffalo, N. Y. and Phila. R.R. bonds, 

Chic, St. L. and New Orleans R.R. bonds 

Central Park, N. and E. River R.R. bonds 

N. Y., West Shore and Buffalo R.R. bonds 

Clev., Col., Cin. and Indianap. R.R. bonds 

St. L., Alton and Terre Haute R.R. bonds 

Rochester and Pittsburg R.R. bonds, 

Pittsburg and Western R.R. bonds, . 

Lafayette, Bloom, and Muncie R.R. bonds 

Indianapolis and St. Louis R.R. bonds, 

Peoria and Pekin Union R.R. bonds, . 

N. Y., Chic, and St. Louis R.R. bonds, 

Mutual Union Telegraph Co. bonds, 

Morris and Essex R.R. stock, . 

N. Y., Lacka. and Western R.R. stock, 

Del., Lackawanna and Western R.R. stock 



Cost value. 

$107,625 00 
103,050 00 
16,714 00 
28,000 00 
10,500 00 
422,845 00 
10,000 00 
100,000 00 
' 9,959 00 
14,898 19 
1,105,849 00 
121,369 00 
660,865 00 
962,714 00 
624,961 00 
62,373 00 
119,127 00 
52,573 00 
159,863 00 
248,096 00 
438,585 00 
463,953 00 
336,774 00 
564,556 00 
256,250 00 
725,000 00 
62,844 00 
277,500 00 
348,525 00 
97,109 00 
318,407 00 
391,826 00 
250,000 00 
101,000 00 
115,000 00 
73,805 00 
598,250 00 
29,851 00 
99,000 00 
126,172 00 
10,376 00 
57,000 00 
100,000 00 
80,433 00 
122,078 00 
109,010 00 
83,971 00 
156,097 00 



Market value. 

$120,000 00 
112,750 00 

17,079 00 

29,960 00 

11,025 00 
465,300 00 

10,350 00 
103,090 00 

10,200 00 

11,783 00 

1,173,750 00 

133,350 00 

674,620 00 

1,004,375 00 

488,900 00 

52,070 00 
123,170 00 

50,500 00 
162,690 00 
251,940 00 
480,355 00 
478,750 00 
342,035 00 
590,125 00 
255,000 00 
729,375 00 

57,600 00 
271,875 00 
367,200 CO 
100,500 00 
325,125 00 
403,242 00 
255,000 00 
106,500 00 
120,000 00 

68,000 00 
600,000 00 

30,595 00 
100,375 00 
130,500 00 

10,560 00 

57,625 00 

100,500 00 

88,000 00 

114,800 00 

123,500 00 

87,000 00 
146,718 00 



60 



LIFE INSURANCE COMPANIES [Dec. 31, 



Delaware and Hudson Canal stock, . 

Illinois Central R.R. stock, 

Lake Shore and Mich. Southern R.R stock 

Chic, Rock Island and Pacific R.R. stock 

St. L., Alton and T. Haute R.R. pref. stock 

Chic, Burlington and Quincy R.R. stock, 

Ft. Wayne and Jackson R.R. pref. stock, 

Illinois Central R.R. leased line stock, 

Pennsylvania R.R. stock,' . 

Northern Central R.R. stock, 

Chic, and No.-Western R.R. common stock 

Chic and No.-Western R.R. pref. stock, 

Chic, St. P.,Minneap. and Omaha pref. stock, 

Missouri Pacific R.R. stock, 

Union Pacific R.R. stock, . 

Clev., Col., Cin. and Indianap. R.R. stock 

Gold and Stock Telegraph Co stock, 

Western Union Telegraph Co. stock, 

Mercantile Trust Co. stock, 

Admitted claim on Ins. Dept. for U. S. b'ds 



Cost value. 

^491,750 00 

388,857 00 

48,740 00 

117,967 00 

133,722 00 

121,061 50 

44,957 00 

40,800 00 

116,397 00 

55,105 00 

309,168 00 

147,302 00 

68,546 00 

163,030 00 

70,656 50 

69,425 00 

12,734 00 

39,250 00 

1,010,234 28 

13,006 65 



Market value. 

$187,410 00 

399,000 00 

49,500 00 

119,000 00 

121,800 00 

120,625 00 

46,500 00 

40,800 00 

118,320 00 

60,000 00 

293,750 00 

146,000 00 

66.412 00 

158,738 00 

60,900 00 

66,000 00 

12,900 00 

38,000 00 

1,508,850 00 

13,006 65 



$15,341,915 12 116,107,568 65 



GERMANIA LIFE INSURANCE COMPANY OF NEW YORK. 

Incorporated April 10, 1860. Commenced business, July 16, 1860. 

Paid-up Capital, $200,000. 

Hugo Wesendonck, President Cornelius Doremus, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 
as discount on claims paid in advance, 
for rents of Company's property, 
for policy fees, . . . • . 



Total income, ....... 

Net or ledger assets Dec. 31, 1882, . . 

Total, ......... 

Disbursements. 

Cash paid for losses and additions, . . . . 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 



$1,491,566 58 

442,299 06 

948 58 

64,809 20 

645 53 

$2,000,268 95 
9,594,033 88 



$11,594,302 83 



$.392,654 12 

482 52 

241,396 89 

$834,533 53 



1883.] 



OF OTHER STATES. 



61 



Cash paid to annuitants, 

for surrendered policies, . 
Cash surrender values, including reconverted additions 

applied in payment of premiums, . 
Cash dividends paid policy-holders, applied in payment 

of premiums, 

Total paid policy holders, . . . . 
Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, . 

for furniture and office fixtures, 

for advertising and printing, 

for incidentals, ...... 

Total disbursements, . . 

Balance, 

Invested in the following: — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . 
deposited in bank, 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, . 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds over cost, . 
Uncollected premiums on policies in force, $50,792 06 
Deferred premiums on policies in force, . 222,001 18 



$5,118 79 

115,456 28 

12,418 46 

206,252 75 

11,173,779 81 

24,000 00 

168,924 97 

51,805 56 

14,070 33 

67,110 84 

8,788 92 

13,321 62 

1,391 83 

84 05 

11,253 25 

24,103 35 



$1,558,634 53 



$10,035,668 30 



11 ,286,073 16 

5,871,844 36 

100,000 00 

71,171 96 

2,541,625 67 

3,323 02 

161,630 13 



$10,035,668 30 
90,465 90 

$9,945,202 40 



55,591 81 

8,750 00 

174,576 83 



Total, . 

Deduct loading (20 per cent), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, 



$272,793 24 
54,558 65 



218,234 59 



$10,402,355 63 



62 LIFE INSURANCE COMPANIES [Dec. 31, 

Liabilities . 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $9,488,526 00 
Death losses due and unpaid, . . . $6,774 61 

Matured endowments due and unpaid, . 15,365 63 

Death losses in process of adjustment, . 92,495 24 

Claims resisted by the company, . . 25,134 14 

Total policy claims, .... __ 139,769 62 

Unpaid dividends of surplus due policy-holders, . . 39,456 49 

Due for rent, 1,750 00 

Extra reserve for lapsed, war and other policies, . . 29,376 18 



Liabilities as to policy-holders, $9,648,878 29 

Surplus as regards special policy-holders, $34,572 40 
Surplus as regards general policy-holders, 718,904 94 

Gross surplus as regards policy-holders, 753,477 34 



Gross liabilities, $10,402,355 63 

Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 13,480 $25,047,116 00 

Endowment policies, . . . . . . 7,222 10,724,491 00 

All other policies, 424 1,117,597 00 

New Policies issued in 1883. 

Whole-life policies, 422 1,298,127 00 

Endowment policies, 1,677 2,828,804 00 

All other policies, v 123 341,608 00 

Old Policies revived during the Year. 

Whole-life policies, 3 2,071 00 

Endowment policies, 3 785 00 

Old Policies increased during the Year. 

Endowment policies, 3 

Additions by dividends, - 56,538 00 



Total number and amount, , . . 23,357 $41,417,137 00 

Policies ceased to be in force during the Year. 

Number. Amount. 

Terminated by death, 349 $606,072 00 

by maturity, 131 267,660 00 

by expiry, 2 - 

by surrender, 422 811,883 00 



1883.] 



OF OTHER STATES. 



63 



Terminated by lapse, 

by change and decrease, 
Not taken, 

Total terminated, 



Number. Amount. 

447 $875,393 00 

6 4-J ,980 00 

247 666,052 00 



1,604 $3,272,040 00 



Policies in force Dec. 31, 18S3. 

Number. Amount. 

Whole-life policies, 13,163 $24,716,481 00 

Endowment policies, 8,107 12,190,069 00 

All other policies, 483 1,238,547 00 



Totals, 
Industrial policies in force, 



21,753 $38,145,097 00 
13,750 $1,472,488 00 



Schedule A. 

Securities held as Collateral. 

Market value. Amount loaned. 



United States bonds, . 



$108,641 25 $100,000 00 



Schedule 

Bonds owned by the 



United States bonds, . 
Virginia state bonds, . 
New York city bonds, 
New York county bonds, 
Brooklyn city bonds, . 
Newark city bonds, . 
N. Y., L. E. and W. R.R. bonds, 
Albany and Susq. R.R. bonds, . 
L. S. and Mich. So. R.R bonds, 
St Paul, M. and M., R.R. bonds, 
Del. and Hudson Canal Co. bonds, 
Northern Pacific R.R. bonds, 
Mississippi state bonds, 



B. 

Company. 

Cost value. 
$1,228,524 89 
12,945 00 
400,743 00 
25,767 50 
161,170 28 
20,100 00 
271,612 50 
123,000 00 
59,637 50 
135,187 50 
44,187 50 
51,250 00 
7,500 00 



Market value. 

,323,217 50 

11,700 00 

442,875 00 

27,000 00 

201,950 00 

18,150 00 

270,510 00 

121,500 00 

59,562 50 

135,625 00 

44,362 50 

51,250 00 

8,500 00 



^2,541,625 67 $2,716,202 50 



64 



LIFE INSURANCE COMPANIES [Dec. 31, 



HOME LIFE INSURANCE COMPANY OF NEW YORK. 

Incorporated April 30, 1860. Commenced business May 1, 1860. 

Paid-up Capital, $125,000. 

George C. Ripley, President. Joseph P. Holbrook, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 
for rents of company's property, 

Total income, 

Net or ledger assets, Dec. 31, 1882, 

Total, 



$546,475 48 

257,827 88 
2,677 91 



1,981 27 
5,034,389 12 

$5,841,370 39 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, . . . 

for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, ; 

Cash dividends paid policy-holders, applied in paymen 

of premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employees, 
for taxes and fees, 
for rent, 

for advertising, . 
for incidentals, . 
for depreciation, 

Total disbursements, . 

Balance, 



$192,927 20 
12,993 80 
84,044 00 
10,492 00 

$300,457 00 

797 35 

30,963 93 

25,927 48 

36,626 45 
75,442 69 



$170,214 90 

15,000 00 

67,665 92 

28,206 28 

5,279 00 

35,236 47 

4,927 47 

7,379 68 

4,318 31 

14,596 10 

71,292 06 



.724,116 19 



.,117,254 20 



1883.] 



OF OTHEK STATES. 



65 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Premiums notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B) 

Cash in office and bank, 

Bills receivable, 

Agents' ledger balances, 



Ledger assets as per balance, 

Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, . . . . 
Deduct loading (20 per cent.) . 
Net am't uncollected and deferred prem's, 



$243,252 87 

944,600 00 

1,623,100 00 

713,387 60 

1,504,596 88 

83,730 58 

2,900 00 

1,686 27 

55,117,254 20 



25,798 39 

1,531 83 

184,903 12 



^65,125 75 
33,176 54 



,302 29 
19,660 45 



78,641 84 



• 


• 


$5,408,129 38 


11,686 


27 




2,900 00 


4,586 27 






. 


$5,403,543 11 



Total assets per company's books, 

Items not Admitted. 

Agents' balances, . . . . . 

Bills receivable, 

Total, . 

Total admitted assets, .... 

Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries 4 per cent.) . . . $3,983,426 00 
Matured endowments due and unpaid, . $34,845 00 
Death losses in process of adjustment, . 3,000 00 

Total policy claims, .... 37,845 00 

Unpaid dividends of surplus due policy-holders, . . 16,267 02 

Premiums paid in advance, 675 75 

Liabilities as to policy-holders, $4,038,213 77 

Surplus as regards policy-holders, 1,365,329 34 

Gross liabilities, $5,403,543 11 

Premium Note Account. 
Premium notes on hand, Dec. 31, 1882, . $739,189 22 
received during 1883, . 123,217 47 
Total, $862,406 69 



6Q LIFE INSURANCE COMPANIES [Dec. 31, 

Used in payment of losses and claims, . $23,485 80 
of surrendered policies 

and voided by lapse, . 25,927 48 
of dividends to policy 

holders . . . 75,442 69 

Redeemed by maker in cash, . , . 24,163 12 

Total, . . , ■ . . .;■'. $149,019 09 



Balance note assets, Dec. 31, 1883, .... $713,387 60 

Exhibit of Policies. 

Policies and additions in force Dec. 31, 18S2. 

Number. Amount. 

Whole-life policies, 6,744 $13,008,460 00 

Endowment policies, ...... 1,519 2,671,969 00 

All other policies, ...... 10 

Reversionary additions, - 15,985 00 

New Policies issued in 1883. 



Whole-life policies, 797 


1,643,261 00 


Endowment policies, 798 


1,359,880 00 


All other policies, 1 


- 


Old Policies revived during the year. 




Whole-life policies, 16 


43,500 00 


Endowment policies, 6 


11,000 00 


Old Policies increased during the year. 




Whole-life policies, 


500 00 


Endowment policies, 


2,000 00 


Additions by dividends, 


5,403 00 


Total number and amount, . . . 9,891 $18,761,958 00 


Policies ceased to be in force during the year 




Number. 


Amount. 


Terminated by death, ..... 97 


$205,921 00 


by maturity, 56 


94,536 00 


by surrender, . . . . . 393 


836,250 00 


by lapse, 284 


435,500 00 


by change and decrease, » 


25,400 00 




289,705 00 


Total terminated, ..... 998 


$1,887,312 00 



Policies in force Dec. 31, 1883. 

Number. Amount. 

Whole-life policies, 6,899 $13,373,745 00 

Endowment policies, .... 
All other policies, .... 
Reversionary additions, . , 



Totals, 



1,984 3,479,513 00 
10 

21,388 00 



8,893 $16,874,646 00 



1883.] 



OF OTHER STATES. 



67 



Schedule A. 

Securities held as Collateral. 



25 shares Nassau National Bank, 
50 " Home Fire Ins. Co., . 
100 " Union Trust Co., 
20 '* Nassau National Bank, 
Prospect Park bonds, 
100 shares Brooklyn City R.R., . 
20 u Brooklyn Bank, 
76 " N. Y. Gas Light Co., 
81 " Brooklyn Gas Co., . 
5 " Union Ferry Co., 
10 " L. I. Safe Dep. Co., . 
St. Louis and I. M R.R. bonds, . 
50 shares German Am. Ins. Co., 
145 " Nassau National Bank, 
N. Y. Chic, and St. L. R.R. bonds, 
803 shares Central National Bank, 
285 " Fourth National Bank, 
100 " Pittsburg, Ft. W. & Chic. R.R 
250 " Central Trust Co., . 
300 " Rens. and Saratoga R.R . 
1000 " Southern and At. Tel. Co 
300 " Brooklyn Gas Light Co., 
100 " N. Y. C. and H. R.R. Co 
100 " Nassau National Bank, 
656 " Brooklyn City R R., 
Suspension Bridge and E. J. bonds, 
Laf., Bloom, and Muncie bonds, 
Houston and Texas bonds, 

30 shares Am. Exch. National Bank, 

10 " Standard Fire Ins. Co., 

30 " Long Island Bank, . 

45 " Cent. Park N. and E. R. R.R 

20 " Nassau National Bank, 

30 " Home Fire Ins. Co., 

44 " Broadway Ins. Co., 

15 " Twenty-third St Railway, 

40 " Christopher St. Railway, 

39 " Brooklyn Bank, 
10 " Franklin and Emp. Ins. Co., 
15 " N. Y. Mut Gas Light Co., 

40 " N. Y. Gas Light Co., 
100 " Penn. Coal Co., 
100 " International Ocean Tel. Co., 

13 " National Bank of Commerce, 
70 " L S. and Mich. So. R.R., 



Market value. 

$1,750 00 

8,000 00 

35,000 00 

3,800 00 

, 1,300 00 

* 2,100 00 

1,200 00 

10,260 00 

2,572 00 

750 00 

1,000 00 

3,210 00 

9,000 00 

27,550 00 

30,000 00 

100,375 00 

36,480 00 

13,300 00 

62,500 00 

42,000 00 

25,000 00 

9,525 00 

11,200 00 

19,000 00 

13,776 00 

20,000 00 

13,800 00 

21,200 00 

3,840 00 

500 00 

1,695 00 

6,525 00 

3,800 00 

4,800 00 

1,925 00 

2,475 00 

4,420 00 

2,340 00 

1,100 00 

1,500 00 

5,400 00 

26,000 00 

10,000 00 

1,950 00 

6,600 00 



Amount loaned. 

$2,000 00 
\ 15,000 00 

1,400 00 
1,000 00 



)■ 14,500 00 



1 



50,000 00 

110,000 00 
3,000 00 



100,000 00 

3,500 00 

40,000 00 

2,100 00 



J. 21,500 00 



4,000 00 

15,000 00 

5,100 00 



6S 



LIFE INSURANCE COMPANIES [Dec. 31, 



1100 shares Metropolitan National Bank, 

100 " Central Trust Co., . 

290 " Atlantic State Bank, 
East Tenn., Va. and Ga. bonds, 
N. Y., Chicago and St. L. bonds, 
1600 shares C. B. and Q. R.R., . . 

200 " Western Un. Tel. Co., 
East Tenn., Ya. and Ga. bonds, 
Peoria, Dec. and Evans, bonds, 
N. Y., Chicago and St. L. bonds, 
Hannibal and St. Jo. bonds, 
700 shares St. Paul, Minn, and Man. R.R 
500 " Canadian Pacific R.R., 
Philadelphia and Reading scrip, 
Erie gold bonds, . . . 
1000 shares Del., Lack, and West bonds, 

500 " Phila. and Reading R.R , 

400 " No. Pacific (pref.) R R., . 
1000 " No. Pacific (com.) R.R., 

800 " Erie (com.) R.R., . 

100 " Erie (pref.) R.R., . 

500 " Bur., Ced. Rap. and No. R R 
Evans, and Terre Haute bonds, 
Louisville and Nashville bonds, 
200 shares Evans, and Terre Haute R.R, 

60 " Rens. and Saratoga R R., 
Evans, and Terre Haute bonds, 
Houston and Texas Cent, bonds, 
Union Pacific bonds, .... 
Chicago, Mil. and St. Paul bonds, 
300 shares Chic, Burl, and Quincy R.R., 
Chicago, Burl, and Quincy R.R. bonds, 
100 shares Oregon Railway and Nav. Co., 



Market value. 

$161,700 00 

25,000 00 

58,000 00 

17,500 00 

200,000 00 

190,400 00 

14,600 00 

159,750 00 

59,850 00 

35,000 00 

110,000 00 

65,800 00 

27,000 00 

50,000 00 

14,400 00 

58,000 00 

18,750 00 

22,000 00 

26,000 00 

20,800 00 

8,000 00 

42,000 00 

44,620 00 

44,000 00 

4,000 00 

8,400 00 

7,760 00 

10,600 00 

22,600 00 

2,400 00 

35,700 00 

18,200 00 

9,300 00 



Amount loaned. 
I 

\ $350,000 00 
■ 

I 

J 

\ 175,000 00 

\ 180,000 00 

\ 125,000 00 

\ 75,000 00 



J. 230,000 00 



} 100,000 00 



1,205,648 00 $1,623,100 00 



United States bonds, . 

Kings county bonds, . 

Brooklyn city bonds, . 

N. Y., Chicago and St. L. bonds, 

N. Y., L. E. and Western, bonds, 



Schedule B. 

Bonds owned by the Company. 

Cost value. 

$877,728 13 

100,800 00 



329,572 50 
99,412 50 
97,083 75 



Market value # 

$982,600 00 

106,000 00 

410,000 00 

100,000 00 

90,900 00 



,504,596 88 $1,689,500 00 



1883.] 



OF OTHER STATES. 



69 



HOMOEOPATHIC MUTUAL LIFE INSURANCE COMPANY OF 

NEW YORK. 

[Incorporated July 18, 18G8. Commenced business July 18, 1868.] 

Paid-up Capital, $100,000. 

E. M. Kellogg, President. Frank B. Mayhew, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 

for rents of company's property, 

for profits on bonds, stocks or gold, sold, 



Total income, . . . . 
Net or ledger assets, Dec. 31, 1882, . 



^95,380 11 

34,049 75 

534 39 

1,337 54 

6,892 20 



$138,193 99 
660,056 02 



Total, 1798,250 01 



Disbursements. 

Cash paid for losses and additions, . 

Premium notes or loans used in payment of same, , 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, . 



dividends to policy-holders, applied 
premiums, , 



Total paid policy-holders, . 
Cash paid for dividends to stockholders, 
for commissions and salaries to 
for medical examiner's fees, 
for salaries of officers and office 
for taxes and fees, 
for rent, .... 
for commuting commissions, 
for furniture and office fixtures 
for advertising, . 
for incidentals, . 

Total disbursements, . 

Balance, 



in payment of 



agents, . 
employees, 



$39,437 90 
1,807 00 

$41,244 90 
24,429 34 

4,851 00 



,525 24 

7,000 00 

18,352 22 

2,412 21 

12,091 90 

1,170 77 

2,590 00 

238 48 

197 25 

545 72 

13,070 68 



28,194 47 



$670,055 54 



70 



LIFE INSURANCE COMPANIES [Dec. 31, 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, . . 

Loans on mortgage of real estate (first liens), . 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Bills receivable, 

Agents' ledger balances, 



$32,500 00 

247,400 00 

21,200 00 

9,262 20 

330,603 73 

372 54 

28,360 02 

89 54 

267 51 



Ledger assets (as per balance), . 



$670,055 54 



Other Assets. 



Interest due and accrued, .... 
Rents due and accrued, . 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, . . ... 
Deduct loading (20 per cent,), . 
Net am't uncollected and deferred prems , 

Total assets per company's books, 



$5,675 17 
22,391 14 



28,066 31 
5,613 27 



7,104 94 

156 00 

25,599 27 



22,453 04 



$725,368 79 



Agents' balances, 

Bills receivable, . 

Total, . 



Items not Admitted. 



$267 51 
89 54 



357 05 



Total admitted assets, . . . . . . . $725,011 74 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Deduct net value of reinsured risks, . 



Net reinsurance reserve, 
Death losses and matured endowments in 

process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 



, 


$596,317 00 
8,407 00 


. 


$587,910 00 


$3,500 00 
12,342 77 


1RS19 77 



1883.] 



OF OTHER STATES. 



71 



Reserve on lapsed policies, 

for possible depreciation, 
.Premiums paid in advance, 
All other liabilities, .... 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



Gross liabilities, 



$6,000 00 

7,000 00 

201 63 

1,557 05 


$618,511 45 
106,500 29 


$725,011 74 



Exhibit of Policies. 

Policies and additions in force Dec. 31, 1882. 



Whole-life policies, 
Endowment policies, . 
All other policies. 



Number. Amount. 

3,634 $2,323,977 00 

453 381,043 00 

183 374,948 00 



New Policies issued in 1883. 



Whole-life policies, 
Endowment policies, 
All other policies, 



6,594 

164 

24 



Old Policies revived during the year. 

Whole-life policies, 3 

Endowment policies, 1 

Additions by dividends, 

Total number and amount, . 

Policies ceased to be in force during the year. 

Terminated by death, 

by maturity, . 

expiry, .... 

by surrender, . . 

by lapse, .... 

by change and decrease, 
Not taken, 



853,496 00 
45,716 00 
53,748 00 



2,600 00 

1,000 00 

195 00 



Total terminated, 



Policies in force Dec. 31, 1883. 



Whole-life policies, 
Endowment policies, . 
All other policies, 

Totals, . 



11,056 


$4,036,723 00 


the year. 


Number 


Amount. 


47 


$35,610 00 


6 


3,649 00 


34 


61,266 00 


72 


100,814 00 


2,326 


406,958 00 


33 


20,727 00 


774 


105,523 00 


3,292 


$734,547 00 


33. 

Number 


Amount. 


7,071 


$2,598,761 00 


529 


361,512 00 


164 


341,903 00 



7,764 $3,302,176 00 



72 



LIFE INSURANCE COMPANIES [Dec. 31, 



Schedule A. 

Securities held as Collateral. 

Market value. 

33 shares Fifth Nat'l Bank, N. Y., . 



20 " Farragut Fire Ins. Co., 

60 " Hamilton Fire Ins. Co., . . 

200 " Phenix Fire Ins. Co , 

20 " Williamsb'gh City Fire Ins. Co , 

13 " Adams Express Co., . 

13 " Niagara Fire Ins. Co., 

10 " E.B'd'yDryDock&BVyR.R.Co. 

90 " Crown Manuf. Co., . 

50 " Firemen's Trust F. Ins. Co., . 

10 " Chicago and N. W. R.R , . 

26 " Bleeker Street and F. F. R.R., . 
Second Avenue R.R. bond, 



Schedule B. 

Stocks and Bonds owned by 



United States bonds, . 

New York city bonds, 

Brooklyn city bonds, . 

Buffalo city bonds, 

Arcadia town bonds, . 

Second Avenue R.R. bonds, 

Dry Dock, E. B'dw'y and BVy R.R. bonds, 

Central Park, N. and E. Rivers R R. bonds, 

Bleeker Street and F. F. R.R. bonds, 

South Ferry R.R. bonds, . 

Pelham town bonds, 

70 shares Twenty-third Street R.R., 
365 " Second Avenue R.R , 
243 " Cent. Park, N. and E. Riv. R R., 



$5,940 00 

1,185 00 

1,017 00 

15,000 00 

2,060 00 

1,300 00 

877 50 

2,700 00 

8,100 00 

375 00 

1,430 00 

650 00 

1,080 00 



Amount loaned. 

$4,300 00 

650 00 

500 00 

5,000 00 

1,000 00 



}> 8,500 00 



500 00 

750 00 



$41,714 50 


$21,200 00 


the Company. 




Cost value. 


Market value. 


$157,375 00 


$173,600 00 


10,425 00 


13,250 00 


1,000 00 


1,200 00 


1,000 00 


1,100 00 


5,000 00 


5,500 00 


5,000 00 


5,350 00 


2,500 00 


2,875 00 


1,000 00 


1,190 00 


6,790 23 


6.960 00 


19,000 00 


20,900 00 


250 00 


250 00 


11,877 50 


11,900 00 


74,107 50 


76,650 00 


35,278 50 


35,478 00 



$330,603 73 $356,203 00 



1883.] 



OF OTHER STATES. 



73 



MANHATTAN LIFE INSURANCE COMPANY OF NEW YORK. 

[Organized 1850. Commenced business Aug. 1, 1850.] 

Paid-up Capital, $100,000. 

Henry Stokes, President. Henry Y. Wemple, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company, 
as discount on claims paid in advance, 
for rents of company's property, 

Cash rec 1 d for profits on bonds, stocks or real estate sold, 



Total income, 
Net or ledger assets Dec. 31, 1882, 



$1,008,421 55 

316,040 42 

222,652 69 

3,601 37 

52,288 92 

33,044 24 

$1,636,049 19 
10,265,632 60 



Total, ........... $11,901,681 79 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same. . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash dividends paid policy-holders, applied in payment 

of premiums, . . 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 



$647,720 33 

39,450 67 

115,536 26 

16,292 74 

$S1 9,000 00 

125 00 

$818,875 00 

4,137 06 

95,616 11 

42,250 18 

188,344 54 

7,777 93 

1,157,000 82 

40,000 00 

100,861 67 

9,328 61 

8,349 32 

59,885 27 

9,888 02 

10,500 00 

9,675 88 



74 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash paid for advertising, .... 
for incidentals, .... 
for loss on Westchester bonds paid off, 
for expenses on real estate, 

Total disbursements, .... 

Balance, ...>.. 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, .... 
deposited in bank, .... 

Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, $75,230 61 
Deferred premiums on policies in force, . 89,671 44 



$11,402 75 

16,494 67 

1,138 56 

40,652 74 

$1,475,178 31 



$10,426,503 48 



$962,895 94 

2,781,162 76 

3,656,906 61 

1,286,745 76 

1,177,045 16 

3,935 93 

557,811 32 

$10,426,503 48 



93,510 46 

3,483 81 

215,764 84 



Total, 

Deduct loading (20 per cent.), . 

Net anft uncollected and deferred prem's, 

Total assets per company's books, 



$164,902 05 
32,980 41 



131,921 64 



,871,184 23 



Liabilities. 

Computed premium reserve or net present value of all 
outstanding policies (Actuaries 1 4 per cent.), 

Death losses due and unpaid, . . . $684 14 

Death losses and matured endowments in 

process of adjustment, .... 153,642 00 

Claims resisted by the company, . . 25,500 00 

Total policy claims, , . 

Unpaid dividends of surplus due policy-holders, 

All other liabilities, 



Liabilities as to policy-holders, 

Surplus as regards special policy-holders, $23,362 85 

as regards general policy-holders, 1,764,715 74 

Gross surplus as regards policy-holders, 

Gross liabilities. 



1,816,211 00 



179,826 14 
57,068 50 
30,000 00 

1,083,105 64 



1,788,078 59 
,871,184 23 



1883.] 



OF OTHER STATES. 



75 



Premium Note Account. 



Premium notes on hand Dec. 31, 1882, 
received during 1883, 
Total, . . . 
Used in payment of losses and claims, 

of surrendered policies 
and voided by lapse, . 
of dividends to policy- 
holders, 
Redeemed by maker in cash, 
Charged agents for collection, . 

Total, 

Balance note assets Dec. 31, 1883, 



..358,649 25 
58,316 25 



,743 41 



42,250 18 

7,777 93 
10,462 50 
14,015 72 



,416,995 50 



130,249 74 



,286,745 76 



ExniBiT of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, ... . . . . 10,144 $29,241,146 00 

Endowment policies, 1,346 2,804,047 00 

All other policies, . - 555,973 00 

Reversionary additions, - 89,304 00 



New Policies issued in 1883. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 

Total number and amount, . 



713 

560 

3 



1,686,146 00 

1,855,841 00 

10,000 00 



12,766 $36,242,457 00 



Policies ceased to be in force during the Tear. 

Number. 

Terminated by death, . . . . • . . 230 

by maturity, 



Not taken, 
Total, 



by purchase, 
by lapse, . 
by change, 



69 
146 
340 

107 
208 



Amount. 

,171 00 
131,829 00 
360,894 00 
973,609 00 
386,929 00 
678,820 00 



1,100 $3,219,252 00 



Policies in force Dec. 31, 1883. 

Number. 



Amount. 



Whole-life policies, 
Endowment policies, . 
All other policies, 



10,146 $28,794,437 00 

1,519 4,138,916 00 

1 89,852 00 



Totals, 11,666 $33,023,205 00 



76 



LIFE INSURANCE COMPANIES [Dec. 31, 






Schedule A. • 

Securities held as Collateral. 



American Express Co stock, 
Atchison, Colorado and Pacific bonds, 
Bankers' and Merchants' Tel. stock, . 
Boston and New York Air Line stock, 
Canada Southern bonds, 
Central Iowa bonds, .... 
Central Pacific stock, . . 
Central Park N. and E. River stock, . 
Central R.R. of N. J. stock, 
Central R. R. of N. J. bonds, 
Chicago and Alton stock, . 
Chicago and Northwestern stock, 
Chicago and Northwestern bonds, 
Chicago, Burlington and Quincy stock, 
Chicago, Milwaukee and St. Paul stock, 
Chicago, Milwaukee and St. Paul bonds, 
Chicago, R. I. and Pacific stock, 
Chicago, R. I. and Pacific bonds, 
Chicago, St. P., Minn, and Omaha stock, 
Chicago, St. P., Minn, and Omaha bonds, 
Citizens' Bank, N. Y., stock, 
Citizens' Gas Co., N. Y., stock, . 
Citizens' Insurance Co., N. Y., stock, 
Cleveland, C, C. and I. stock, . 
Delaware and Hudson Canal stock, . 
Delaware, Lackawanna and W. stock, 
East Tenn., Virginia and Georgia bonds, 
Gold and Stock Tel. stock, 
Gold and Stock Tel. bonds, 
Gulf, Col. and Santa Fe bonds, . 
Houston and Texas bonds, 
International and Great Northern bonds, 
Jersey City bonds, .... 
Kalamazoo, Allegan and G. R. bonds, 
Kansas Pacific bonds, 
Lafayette, Bloomington and M. bonds, 
Lake Shore and Michigan So. stock, . 
Lake Shore and Michigan So. bonds, 
Lehigh and Wilkesbarre bonds, 
Louisville and Nashville stock* . 
Louisville and Nashville bonds, 
Marine Bank stock, .... 
Mercantile Trust stock, 
Metropolitan Elevated bonds, . 
Metropolitan Gas Co., Brooklyn, stock, 



Market value. Amount loaned. 
$3,100 00 

7,300 0D 
35,700 00 
12,000 00 
24,500 00 
12,000 00 
74,900 00 
141,000 00 

8,400 00 

10,400 00 

34,400 00 

334,400 00 

14,500 00 

48,000 00 

508,300 00 

130,900 00 

116,000 00 

12,900 00 

44,200 00 

17,000 00 

1,250 00 

1,080 00 

1,500 00 
26,000 00 
31,500 00 
73,280 00 

7,400 00 

5,500 00 
10,000 00 
11,700 00 

1,000 00 

1,000 00 

5,500 00 

5,800 00 

8,560 00 

1,900 00 
398,425 00 

1,000 00 
15,000 00 

8,800 00 

4,800 00 

11,300 00 

130,000 00 

8,200 00 
182 00 



1883.] 



OF OTHER STATES. 



77 



Metropolitan Gas Co. (New York) stock, 

Michigan Central stock, 

Michigan Central bonds, . 

Missouri, Kansas and Texas bonds, 

Missouri Pacific stock, 

Missouri Pacific bonds, 

Morris and Essex bonds, . 

Mutual Union Telegraph bonds, 

New York Central and H. R stock, 

New York, Chicago and St. Louis bonds, 

New York, Lacka. and Western stock, 

New York, Lake Erie and Western stock, 

New York, Lake Erie and Western bonds, 

New York, Providence and Boston stock, 

New York, West Shore and Buffalo bonds, 

Northern Pacific bonds, 

Oregon Improvement bonds, 

Oregon Railway and Navigation stock, 

Oregon Railway and Navigation bonds, 

Pacific R.R. of Missouri bonds, . 

Pullman Palace Car stock, 

St. Louis and San Francisco stock, . 

St. Louis and San Francisco bonds, . 

St. Louis, Kansas City and No. bonds, 

St. Paul and Sioux City bonds, . 

St. Paul, Minnesota and Manitoba bonds, 

Second Avenue R.R. stock, 

Shoe and Leather Bank stock, . 

Texas and Pacific bonds, . 

Toledo, Wabash and Western bonds, 

Union Pacific stock, .... 

Union Pacific bonds, .... 

Union Trust Co. stock, 

United States bonds, .... 

United States Express Co. stock, 

Wabash, St. Louis and Pacific bonds, 

Weehawken Docks stock, . 

Western Union Telegraph stock, 

Winona and St. Peter's bonds, . 



Market value. 
$2,000 00 
42,500 00 

4,900 00 

15,200 00 

192,400 00 

102,000 00 

1,300 00 

8,900 00 
380,800 00 

5,100 00 

8,400 00 
41,200 00 
33,900 00 
14,800 00 
41,400 00 
21,800 00 
800 00 
103,700 00 
12,900 00 

5,300 00 
57,700 00 

8,700 00 

4,800 00 
20,400 00 
25,000 00 

6,100 00 
58,800 00 
15,625 00 

5,600 00 
12,750 00 
19,100 00 
10,500 00 

6,900 00 
14,900 00 

6,000 00 

65,300 00 

55,000 00 

566,000 00 

108,000 00 



Amount loaned. 



$4,467,052 00 $3,656,906 61 



Schedule B. 
Stocks and Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, $513,472 60 $620,000 00 

Virginia state bonds, . . . 4,500 00 5,024 00 

New York city and county bonds, . 447,162 66 500,486 0D 



78 



LIFE INSURANCE COMPANIES [Dec. 31, 



Brooklyn park bonds, 

50 shares Bank of Commerce stock, . 

Central Park, N. and E. R. R.R. bonds, 



Cost value. 

$100,500 00 

4,460 00 

106,950 00 



Market value. 

$148,000 00 

7,700 00 

111,600 00 



:,177,045 16 $1,392,810 00 



METROPOLITAN LIFE INSURANCE COMPANY OF NEW YORK, 

[Incorporated January, 1866. Commenced business June, 1867.] 

Paid-up Capital, $500,000. 

Joseph F. Knapp, President. John R. Hegeman, Vice-Pres. and Sec' 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company, 
for rents of company's property, 



Total income, 
Net or ledger assets, Dec. 31, 1882, 
Increase of capital in 1883, , 



$1,740,236 48 
400,000 00 



Total, 



$1,975,702 89 

72,272 50 

5,990 00 

28,653 66 

$2,082,619 05 



2,140,236 48 



1,222,855 53 



Disbursements. 

Cash paid for losses and additions, . 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash dividends paid policy-holders, applied in payment 

of premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, . . . . . 
Cash paid for dividends to stockholders, . 
for commissions to agents, 



$628,321 10 

3,318 19 

16,344 74 

874 26 

$648,858 29 
271,943 25 

12,002 18 

127,998 38 
14,456 73 

1,075,258 83 

21,000 00 

342,836 82 



1883.] 



OF OTHER STATES. 



79 



Cash paid for salaries and travelling expenses of agents, $279,990 53 

for medical examiner's fees, . , . . 33,122 50 

for salaries of officers and office employees, . 81,231 55 

for taxes and fees, 18,625 70 

for rent, 30,640 26 

for commuting commissions, .... 245,041 43 

for advertising, 6,202 75 

for incidentals, 133,299 77 

Total disbursements, $2,267,250 14 

Balance, $1,955,605 39 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 

on collateral security (schedule A), 
Premium notes or loans on policies in force, 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Furniture, fixtures, etc., ...... 

Ledger assets (as per balance), . 



$353,186 11 

736,250 00 

120,000 00 

174,212 28 

510,460 89 

4,856 97 

40,920 86 

15,718 28 

1,955,605 39 



Other Assets. 

Interest due and accrued, ....... 8,964 43 

Kents due and accrued, 3,700 66 

Market value of real estate, over cost, .... 44,313 89 

of stocks and bonds, over cost, . . . 60,629 11 
Uncollected premiums on policies in force, $106,801 69 
Deferred premiums on policies in force, . 54,607 11 



Total, 

Deduct loading (20 per cent.), . 

Net am't uncollected and deferred prems , 

Total assets per company's books, 



$161,408 80 
32,281 76 



129,127 04 
. $2,202,340 52 



Items not Admitted 



Office furniture, etc., . 
Total admittel assets, 



15,718 28 



. $2,186,622 24 



80 LIFE INSURANCE COMPANIES [Dec. 31, 

Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries 1 4 per cent.), . . $1,819,635 00 
Death losses and endowments unpaid, .... 27,500 00 

Deferred and unpaid premiums in excess of reserve, . 8,013 00 



Liabilities as to policy-holders, $1,855,148 00 

Surplus as regards policy-holders, 331,474 24 



Gross liabilities, $2,186,622 24 

Premium Note Account. 

Premium notes on hand, Dec. 31, 1882, . $188,602 92 

received during 1883, . 16,260 72 

Total, . . . ... . . — $204,863 64 

Used in payment of losses and claims, . $1,192 45 
of surrendered policies 

and voided by lapse, . 12,002 18 
of dividends to policy- 
holders, . . . 14,456 73 
Total, 30,651 36 



Balance note assets, Dec. 31, 1883, .... $174,212^28 

Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 5,651 $8,411,812 00 

Endowment policies, ...... 158 113,619 00 

All other policies, 34 41,014 00 

Policies issued and revived in 1883. 

Whole-life policies, 213 219,889 00 

Endowment policies, 12 12,250 00 

All other policies, 14 24,666 00 



Total number and amount, . . . 6,082 $8,823,250 00 

Policies ceased to be in force during the Year. 

Number. Amount. 

Terminated by death, ... . 105 $125,857 00 

by maturity, . 

by surrender, . 

by lapse, 

by change and decrease, 
Not taken, 



32 17,219 00 

757 1,554,996 00 

163 216,500 00 

5 5,000 00 

14 14,896 00 






Total terminated, 1,076 $1,934,468 00 



1883.] 



OF OTHER STATES. 



81 



Policies in force Dec. 31, 1883. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 

Totals, . 
Industrial policies in force, 



Number. 

4,832 

128 

. 46 


Amount. 

$6,727,402 
98,700 
62,680 


00 
00 
00 


5,006 $6,888,782 00 
526,042 $56,536,325 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

Erie R.R. Co. bonds, $25,400 00 

Delaware and Hudson Canal Co. bonds, . 30,420 00 

Chic, Milwaukee and St. Paul R R. bonds, 39,600 00 

St. Paul, Minn, and Man. R.R. bonds, . 10,850 00 

N. Y., Chicago and St. Louis R.R. bonds, . 20,400 00 

Shoe and Leather Nat'l Bank, N. Y., stock, 3,920 00 

Long Island Trust Co. stock, . . . 6,300 00 



Amount loaned. 

$22,500 00 

27,000 00 

35,500 00 

9,000 00 

18,000 00 

3,000 00 

5,000 00 



$136,890 00 $120,000 00 



Schedule B. 

Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, $193,288 03 $219,700 00 

Brooklyn Bridge bonds, .... 22,483 74 27,930 00 

Rochester city bonds, 38,409 15 53,960 00 

Chic, Milwaukee and St. Paul R R. bonds, 10,705 00 11,000 00 

Lockport city bonds, . .... 27,19178 33,50000 

Jersey City bonds, 48,160 27 47,250 00 

Albany and Susquehanna R.R. bonds, . 22,710 00 23,000 00 

Brooklyn water bonds, .... 31,45282 35,75000 

N. Y., West Shore and B. R.R. bonds, . 40,187 50 33,500 00 

Peekskill water bonds, .... 25,872 60 35,000 00 

Buffalo, N Y. and Phila., R R. bonds, . 50,000 00 50,500 00 



$510,460 89 $571,090 00 



82 



LIFE INSURANCE COMPANIES [Dec. 31, 



MUTUAL LIFE INSURANCE COMPANY OF NEW YORK, N. Y. 

[Incorporated April, 1842. Commenced business Feb. 1, 1843.] 

F. S. Winston, President. Isaac F. Lloyd, Secretary. 

Income. 

Total premium income, ....... $13,457,928 44 

Cash received for interest on stocks, bonds and loans, . 3,917,843 62 
for interest on other debts due the company, 898,309 63 
for rents of company's property, . . 226,811 20 



Total income, .... 
Net or ledger assets, Dec. 31, 1882, . 



. $18,500,892 89 
. 92,782,986 08 



Total, 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies and additions, 
Cash dividends paid policy-holders, applied in paymen 
of premiums, 



$111,283,878 97 



$5,095,795 00 
2,866,261 73 



Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and expenses of law department, 

for medical examiner's fees and expenses, 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for advertising, . 

for incidentals, . 
Premium on securities purchased, charged off, 

Total disbursements, . 



Balance, 



Invested in the following : — 

Assets as per Ledger Accounts. 
Cost value of real estate, ...... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A) , 



$7,962,056 73 

27,661 38 

2,831,150 71 

3,138,491 69 

113,959,360 51 

886,126 90 
114,166 38 

95,292 60 

294,547 71 

226,057 69 

6,000 00 

58,856 75 
265,889 35 
405,472 22 



$16,311,770 11 



14,972,108 86 



$8,633,971 89 
46,303,472 34 
15,037,910 00 



1883.] OF OTHER STATES. 83 

Par value of stocks and bonds owned (schedule B), . $21,593,505 00 
Cash in company's office and in bank, .... 3,403,249 63 



Ledger assets (as per balance), 194,972,108 86 

Other Assets. 

Interest due and accrued, $1,310,588 23 

Market value of stocks and bonds, over par, . . . 3,6^5,535 00 
Uncollected premiums on policies in force, $140,786 48 
Deferred premiums on policies in force, . 1,039,229 68 



Total, . $1,180,016 16 

Deduct loading (20 per cent), . . . 236,003 23 

Net am't of uncollected and deferred prem's 944,012 93 



Total assets per company's books, . . . $100,912,245 02 

Liabilities. 

Computed premium reserve or net present value of all 
outstanding policies (Actuaries' 4 per cent.), . . $93,347,803 00 

Death losses due and unpaid, . . . $47,304 00 

Death losses and matured endowments in 

process of adjustment, . . . . 861,331 00 



Claims resisted by the company, 

Total policy claims, 
Due to agents, .... 
Premiums paid in advance, 



147,864 00 



1,056,499 00 

8,479 56 

23,794 35 



Liability under non-forfeiture clause, . . . . 9,062 00 



Liabilities as to policy-holders, ..... $94,445,637 91 
Surplus as regards policy-holders, 6,466,607 11 



Gross liabilities, $100,912,245 02 

Exhibit of Policies. 
Policies and Additions in force Dec. 31 , 1882. 

Number. Amount. 

Whole-life policies, 87,043 $254,926,707 00 

Endowment policies, 19,157 48,787,097 00 

All other policies, 14 6,700 00 

Reversionary additions, - 25,833,670 00 

New Policies issued in 1883. 

Whole-life policies, 5,982 16,719,290 00 

Endowment policies, 5,028 14,136,580 00 



84 



LIFE INSURANCE COMPANIES [Dec. 31, 



Old Policies revived during the Year. 

Whole-life policies, 407 

Endowment policies, 114 

Endowment policies changed, .... 2 

Additions by dividends, - 



£1,229,450 00 

317,500 00 

10,000 00 

5,407,777 00 



Total number and amount, . 



117,747 $367,374,771 00 



Policies ceased to be in force during the Year. 





Number. 


Amount. 


Terminated by death, 


1,382 


$5,172,275 00 


by maturity, . 


... 952 


2,789,302 00 


by surrender, . 


1,070 


7,321,129 00 


by lapse, . 


2,165 


5,502,813 00 


by decrease, . 


. 


222,700 00 


by change, 


2 


10,000 00 


Not taken, 


1,186 


3,410,520 00 



Total terminated, 



6,757 $24,428,739 00 



Policies in force Dec. 31, 1883. 

Number. Amount. 

Whole-life policies, 89,188 $259,989,586 00 

Endowment policies, 21,789 56,757,518 00 

All other policies, 13 6,300 00 

Reversionary additions, - 26,192,628 00 



Totals, 110,990 $342,946,032 00 



Schedule A. 

Securities held as Collateral. 



St. Louis, Alton and T. H. R R. stock, 
American Telegraph and Cable stock, 
Atchison, Topeka and S. F. R.R. stock, 
Boston and New York Air Line stock, 
Bankers' and Merchants 1 Tel. Co, stock, 
C, C, C. and I. R.R. stock, 
Central Pacific R.R. stock, . 
Canada Southern R.R. stock, 
Chicago and Alton R.R. stock, . 
Cleveland and Pittsburgh R R. stock, 
Chicago, Burlington and Q. R.R. stock, 
Delaware, Lacka. and Western R.R. stock 
Delaware and Hudson Canal stock, . 
Lake Erie and Western R.R. stock, . 
Erie and Pittsburgh R.R. stock, 
New York, L. E. and Western R.R. stock, 



Market value. 

$26,400 00 

6,000 00 
16,000 00 
24,600 00 
23,400 00 

6,500 00 
38,400 00 
15,000 00 
13,965 00 
27,000 00 
82,200 00 
204,750 00 
194,250 00 

5,400 00 
56,000 00 

7,200 00 



Amount loaned. 



1883.] 



OF OTHER STATES. 



85 



Georgia R.R. and Banking Co. stock, 

New York and Harlem R.R. stock, 

Illinois Central R.R. stock, 

L. S. and Mich. So. R.R. stock, . 

Missouri Pacific R.R. stock, 

Michigan Central R.R. stock, . 

St. Paul, Minn, and Man. R.R. stock, 

Morris and Essex R.R stock, 

Manhattan R.R, stock, 

Metropolitan Elevated R.R. stock, 

New Jersey Central R.R. stock, 

New York Cent'l and H. R. R.R. stock, 

Chicago and N. W. (cons.) R.R. stock, 

Chicago and N. W. (pref.) R.R. stock, 

Northern Pacific R.R. stock, 

New York, Lacka. and Western R.R. stock 

New York C. Sleeping Car Co. stock, 

Ohio and Mississippi R.R. stock, 

Oregon and Transcontinental R.R. stock, 

Chicago, St. P., Minn, and O. R.R. stock, 

Oregon R.R. and Nav. Co. stock, 

Pullman Palace Car Co. stock, . 

Pacific Mail Co. stock, 

Pennsylvania Coal Co. stock, 

Chicago, R. I. and Pacific R.R. stock, 

Rens. and Saratoga R.R stock, . 

Chic, Mil. and St. Paul (cons.) R.R. stock, 

Chic, Mil and St. Paul (pref.) R.R. stock, 

Staten Island R.R. stock, . 

St. Louis and Santa Fe R.R. stock, 

Standard Oil Trust certificates, 

Union Pacific R.R. stock, . 

Union Oil Co. stock, . 

W. Union Tel. Co. stock, . 

Forty-second St. & Grand St. F. R.R. stock 

Twenty-third Street R.R. stock, 

Christopher and Tenth Sts. R.R. stock, 

Central Park and N. and E. R. R.R. stock 

Third Avenue R.R. stock, . 

Second Avenue R R. stock, 

Metropolitan Gas Co. stock, 

Municipal Gas Co. stock, . 

N. Y. Guar, and Indemnity Co. stock 

Hanover Bank stock, . 

United States Bank stock, . 

Marine Bank stock, . 

Chatham Nat'l Bank stock, 

Union Nat 1 ! Bank (Chicago) stock, 



Market value. 

$145,000 00 

9,750 00 

26,400 00 

1,149,500 00 

344,085 00 

498,800 00 

310,650 00 

118,695 00 

26,400 00 

81,000 00 

8,400 00 

439,600 00 

1,041,885 00 

666,000 00 

5,100 00 

17,200 00 

18,000 00 

27,000 00 

7,500 00 

61,750 00 

170,100 00 

469,775 00 

49,200 00 

103,125 00 

365,742 00 

14,000 00 

786,780 00 

684,400 00 

3,000 00 

17,600 00 

45,000 00 

78,100 00 

400,000 00 

83,620 00 

10,400 00 

48,675 00 

5,800 00 

17,040 00 

28,875 00 

33,000 00 

3,075 00 

85,020 00 

3,400 00 

5,250 00 

37,500 00 

7,500 00 

27,685 00 

225,000 00 



Amount loaned. 



86 



LIFE INSURANCE COMPANIES [Dec. 31, 



Central Trust Co. stock, . 
United States Trust Co. stock, . 
Continental Insurance Co. stock, 
Adams Express Co. stock, . 
Park Bank stock, .... 
Broadway and Seventh Ave. R R. stock, 
Union Trust Co. stock, 
Atlantic and Gulf R.R. bonds, . 
Albany and Susquehanna R.R. bonds, 
Atlantic and Pacific R.R. bonds, 
American Safe Deposit Co. bonds, . 
Burlington, Cedar R. and Nor. R.R. bonds 
Buffalo, N. Y. and Phila. R.R. bonds, 
Chicago, Burl, and Quincy R.R. bonds, 
Chic, Burl, and Q. (Iowa div.) R.R. bonds 
Canada Southern R R. bonds, . 
Cleveland and Pittsburgh R.R. bonds, 
Central Pacific R R. bonds, 
Cincinnati city bonds, 
California Pacific R.R. bonds, . 
Chesapeake and Ohio R.R. bonds, _. 
Union Pacific (Central Branch) R.R. bonds 
Providence city bonds, 
Buffalo city bonds, .... 
Cincinnati and Springfield R.R. bonds, 
Clev., Col., Cinn. and Ind. R.R. bonds, 
Col., Hocking Valley and Tol. R.R. bonds 
Denver and South Park R.R. bonds, . 
Chicago and East Illinois R.R. bonds, 
Central Iowa R.R. bonds, . 
Lake Erie and Western R R. bonds, . 

Erie R R. bonds, 

Gal v., Harrisburg and San Ant. R.R. bonds 

Houston and Texas R.R. bonds, 

Hannibal and St. Joe R.R. bonds, 

Great Western R.R. bonds, 

Georgia R.R. and Bankino- Co. bonds, 

Joliet and Nor. Indiana R.R. bonds, . 

Jefferson R.R. bonds, 

Lake Shore and Mich. So. R.R. bonds, 

Lehigh and Wilkesbarre R.R. bonds, 

Kansas Pacific R.R. bonds, 

Lou., N. A. and Chicago R.R. bonds, . 

Long Dock bonds, . ■ . 

St Paul, Minn, and Man. R.R. bonds, 

Missouri, Kansas and Texas R.R. bonds, 

Mil., Lake Shore and Western R.R. bonds, 

Missouri Pacific R.R. bonds, 



Market value. 

$41,600 00 

235,000 00 

4,800 00 

65,000 00 

18,150 00 

15,200 00 

3,500 00 

72,800 00 

26,980 00 

48,500 00 

137,250 00 

4,040 00 

25,000 00 

95,680 00 

27,000 00 

77,420 00 

5,550 00 

192,840 00 

28,600 00 

103,000 00 

358,980 00 

35,000 00 

3,510 00 

12,200 00 

2,240 00 

64,900 00 

56,000 00 

4,750 00 

13,000 00 

21,400 00 

17,090 00 

405,860 00 

11,660 00 

166,250 00 

27,750 00 

2,940 00 

103,000 00 

3,720 00 

21,000 00 

227,800 00 

62,830 00 

27,570 00 

4,000 00 

2,320 00 

270,600 00 

142, J 20 00 

20,000 00 

20,400 00 



Amount loaned. 



1883.] 



OF OTHER STATES. 



87 



Minneapolis and St. Louis R.R. bonds, 
Metropolitan Elevated R.R. bonds, . 
Milwaukee and Madison R.R. bonds, 
New Jersey Central R R. bonds, 
N. Y., Chicago and St. Louis R.R. bonds, 
N. Y., Lacka and Western R.R. bonds, 
New York Elevated R.R. bonds, 
New Orleans Pacific R.R. bonds, 
Nash., Chat, and St. Louis R.R. bonds, 
New York Cent'l and H. R. R R bonds, 
Chicago and N. W. R.R bonds, . 
Oregon Short Line R.R. bonds, . 
Oregon R.R. and Nav. Co. bonds, 
Chicago, St. Paul, Minn, and O. R.R. bonds 
Ohio Southern R.R. bonds, 
Port Huron and N. W. R.R. bonds, . 
Pacific of Missouri R.R. bonds, . 
Panama Sinking Fund R.R bonds, . 
Pittsburg, Clev. and Toledo R.R. bonds, 
Peoria, Decatur and Evansville R.R. bonds 
Philadelphia and Reading R.R. bonds, 
Chicago, Mil. and St. Paul R.R. bonds, 
St. Louis city bonds, .... 
St. Paul and Nor. Pacific R.R. bonds, 
Chicago, St. Paul and Minn. R.R. bonds, 
St. Louis, Alton and T. H. R.R, bonds, 
St. Louis and Iron Mountain R.R. bonds, 
St. Louis and S.an Francisco R R. bonds, 
St. Louis, Ft. S. and Wichita R.R. bonds, 
St. Louis, Kansas City and Nor. R.R. bonds, 
South Carolina R.R. bonds, 
Toledo, Wabash and Western R.R. bonds, 
Tonawanda Valley and Cuba R R. bonds, 
Texas Sinking Fund bonds, 
Toledo, Peoria and Western R.R. bonds, 
Texas Pacific R.R. bonds, . 
Texas and New Orleans R.R. bonds, 
Third Avenue R R. bonds, . 
Toledo and Wabash R.R. bonds, 
United States bonds, . . 
Union Pacific R.R. bonds, . 
Vermont and Mass. R.R. bonds, 
West Shore and Buffalo R R. bonds, . 
West Shore and Ontario R.R. bonds, . 
Wabash (Iowa div.) R.R. bonds, 
Winona and St. Peter R.R. bonds, 
Denver and R. G. Western R.R. bonds, 
Escanaba and Lake S. R.R. bonds, . 



Market value. 

$12,200 00 

135,200 00 

98,400 00 

95,410 00 

109,140 00 

1,210 00 

152,400 00 

8,800 00 

78,000 00 

83,080 00 

63,960 00 

3,680 00 

53,500 00 

187,920 00 

2,430 00 

1,000 00 

21,800 00 

10,200 00 

392,000 00 

10,000 00 

19,000 00 

1,068,240 00 

10,800 00 

120,000 00 

52,440 00 

1,150 00 

5,300 00 

46,580 00 

36,600 00 

4,250 00 

38,480 00 

900 00 

10,800 00 

64,200 00 

10,700 00 

83,780 00 

4,000 00 

1,110 00 

3,880 00 

9,740 00 

75,160 00 

369,070 00 

870,780 00 

656,250 00 

43,910 00 

86,400 00 

3,550. 00 

33,3C0 00 



Amount loaned' 



88 



LIFE INSURANCE COMPANIES [Dec. 31, 



Northern Pacific R.R. bonds, 
Hannibal and St. Joe R.R. bonds, 
New York Cent'l and H. R. R R. bonds, 
Louisville and Nashville R.R. bonds, 
Richmond and Alleghany R.R. bonds, 
Flint and Pere Marquette R.R. bonds, 
Rochester and Pittsburgh R R. bonds, 
Jackson, Lansing and Saginaw R.R. bonds 
Kansas township bonds, 
Baker Co., Kansas, bonds, . 
Coffee Co., Kansas, bonds, . 
Roseville Co , Kansas, bonds, 
Ottawa Co., Kansas, bonds, 
St. L , Kansas City and Nev. R.R. bonds, 



Market value. 

$223,650 00 

7,350 00 

4,160 00 

9,500 00 

670 00 

55,750 00 

16,050 00 

1,000 00 

2,000 00 

1,000 00 

1,000 00 

1,000 00 

3,000 00 

13,080 00 



Amount loaned. 



118,485,152 00 $15,037,910 00 



Schedule B. 

Stocks and Bonds owned by the Company. 



United States bonds, . 

Missouri state bonds, . 

Massachusetts state bonds, 

Cherry Valley bonds, 

Yonkers city bonds, . 

North Plainfield bonds, 

New York city bonds, 

Buffalo city bonds, 

Elmira city bonds, 

Boston city bonds, 

San Francisco city bonds, 

Brooklyn city bonds, . 

Newark city bonds, . 

New Brunswick city bonds 

Elizabeth city bonds, . 

Jersey City bonds, 

Trinity Church bonds, 

Union Co. (N. J.) bonds, 

Middlesex Co. (N. J.) bonds, 

Hudson Co. (N. J.) bonds, 

Milwaukee Co. (Wis.) bonds, 

Essex Co. (N. J.) bonds, . 

Michigan Central R.R. bonds, 

Lake Erie and Western R.R. bonds, 

Cleveland, Col., Cin. and Ind. R.R. bonds 

Chicago, Mil. and St. Paul R.R. bonds, 

Chicago, Mil. and .St. Paul R.R. stock, 

Delaware and Hudson Canal bonds, . 



Par value. 

$2,582,100 00 

379,000 00 

150,000 00 

23,500 00 

108,000 00 

16,500 00 

1,913,200 00 

140,500 00 

46,000 00 

500,000 00 

475,500 00 

1,253,000 00 

675,000 00 

101,700 00 

. 7,505 00 

539,000 00 

100,000 00 

77,000 00 

5,000 00 

118,000 00 

175,000 00 

8,000 00 

250,000 00 

125,000 00 

212,000 00 

1,076,000 00 

190,000 00 

387,000 00 



Market value. 

$3,015,085 00 

437,958 00 

176,464 00 

24,087 00 

152,118 00 

17,985 00 

2,516,956 00 

157,139 00 

54,004 00 

601,250 00 

508,785 00 

1,738,235 00 

767,925 00 

105,386 00 

4,353 00 

540,700 00 

100,000 00 

86,800 00 

5,675 00 

135,900 00 

195,845 00 

9,160 00 

263,500 00 

120,000 00 

251,400 00 

1,191,595 00 

222,300 00 

485,235 00 



1883.] 



OF OTHER STATES. 



89 



Lafayette, B. and Muncie R.R. bonds, 
Syracuse, B. and N. Y. R.R. bonds, . 
Southern Pacific of Missouri R.R. bonds, 
Illinois, Dec. and Springfield R.R. bonds, 
Cincinnati and Springfield R R. bonds, 
Albany and Susquehanna R.R. bonds, 
Cin., Ham. and Dayton R.R. bonds, . 
Chicago and Southwestern R.R. bonds, 
Chic, St. Paul, Minn, and O. R R. bonds, 
Cedar Rapids, I. F. and N. W. R.R. bonds, 
Flint and Pere Marquette R.R. bonds, 
New York, Lack, and Western R.R. bonds, 
Cent. R.R. and Bank, Co. of Georgia bonds, 
Rome, Wat. and Ogdensburg R.R. bonds, 
Baltimore and Ohio R.R. bonds, 
Morris and Essex R.R. bonds, . 
Northern Pacific R.R. bonds, 
Chesapeake and Ohio R R. bonds, 
South Carolina R.R. bonds, 
Chicago and Northwestern R.R. bonds, 
Chicago and Northwestern R.R. stock, 
Columbus and Toledo R.R. bonds, . 
Jeffersonville, Mad. and Ind. R.R. bonds, 
Lake Shore and Mich. So. R.R. bonds, 
St. Paul Water Co. bonds, . 
Ind. and St. Louis R.R. bonds, . 
Central Pacific RR bonds, 
New York, Chicago and St. L. R.R bonds 
N. Y. and Harlem R.R. stock and bonds, 
Nashville, Chat, and St. L. R.R. bonds, 
American Dock and Imp. Co. bonds, 
Columbus and Ind. Central R.R. bonds, 
New York Central R.R. bonds, . 
Houston and Texas R.R. bonds, 
Kansas City, St. Jo and C. B. R R. bonds, 
R. E. and Auction Room stock, . 



Par value. 

$125,000 00 

'238,000 00 

233,000 00 

196,000 00 

237,000 00 

100,000 00 

300,000 00 

400,000 00 

200,000 00 

148,000 00 

300,000 00 

1,000,000 00 

580,000 00 

34,000 00 
100,000 00 
100,000 00 
250,000 00 
461,000 00 
350,000 00 
1,000,000 00 
220,000 00 

50,000 00 

100,000 00 

1,000,000 00 

11,000 00 
400,000 00 

30,000 00 
250,000 00 
165,000 00 
200,000 00 
500,000 00 

31,000 00 
500,000 00 

50,000 00 

100,000 00 

1,000 00 



Market value. 

$118,750 00 
305,830 00 
239,990 00 
205,800 00 
267,810 00 
122,000 00 
338,310 00 
488,000 00 
216,000 00 
155,400 00 
334,500 00 
1,182,500 00 
638,000 00 

36,890 00 
112,000 00 
120,500 00 
255,000 00 
516,320 00 
365,750 00 
1,070,000 00 
•317,900 00 

59,500 00 

116,000 00 

1,192,500 00 

12,210 00 
456,010 00 

30,000 00 
255,000 00 
315,150 00 
236,000 00 
447,500 00 

36,580 00 
652,500 00 

57,250 00 

118,750 00 

1,000 00 



$21,593,505 00 $25,279,040 00 



90 



LIFE INSURANCE COMPANIES [Dec. 31, 



MUTUAL BENEFIT LIFE INSURANCE COMPANY OF 

NEWARK, N. J. 

[Incorporated Jan. 31, 1845. Commenced business April, 1845.] 

Amzi Dodd, President. Edward L. Dobbins, Secretary. 



Income. 

Total premium income, . 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 
for profit and loss account, 



Total income, .... 
Net or ledger assets, Dec. 31, 1882, . 



$4,159,770 79 

1,150,273 47 

626,276 86 

2,024 54 

54,924 88 

239,129 08 

$0,232,399 62 
34,135,690 17 



Total, $40,368,089 79 



Disbursements. 

Cash paid for losses and additions, . 

Premium notes or loans used in payment of same, . 

Cash paid for matured endowments and additions, . 

Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash surrender values, including reconverted additions 

applied in payment of premiums, .... 
Cash dividends paid policy-holders, $83,829.01 ; applied 

in payment of premiums, $880,640.87, . 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, 
for medical examiner's fees, 
for salaries of officers and office employees, 

for taxes and fees, 

for incidentals, 

Total disbursements, 

Balance, 



$2,085,088 50 

105,896 11 

212,709 40 

4,673 44 

$2,408,367 45 

9,354 87 

248,872 51 

99,142 46 

216,946 99 

964,469 88 
16,614 33 

$3,963,768 49 
372,482 80 

29,686 34 
107,707 97 
111,038 97 

70,825 75 

$4,655,510 32 
$35,712,579 47 



1883.] 
Invested in the following 



OF OTHER STATES. 



91 



Assets as per Ledger Accounts. 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, . 

Premium notes or loans on policies in force, . 

Ledger value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Agents 1 ledger balances, 

Ledger assets (as per balance), . 



$2,430,043 79 

7,727,398 54 

12,322,000 00 

169,372 71 

4,023,424 94 

8,154,876 70 

32,229 01 

844,736 79 

8,496 99 



. $35,712,579 47 



Other Assets. 

Interest due and accrued, 583,838 16 

Market value of stocks and bonds, over ledger value, . 1,058,684 67 
Uncollected premiums on policies in force, $65,978 97 
Deferred premiums on policies in force, . 227,552 67 



Total, . . . . . . $293,531 64 

Deduct loading (20 per cent.), . . . 58,706 33 
Net am't uncollected and deferred prems., 



Total assets per company's books, 



234,825 31 



. $37,589,927 61 



Items not Admitted. 



Agents' balances, 

Total admitted assets, . 



8,496 99 



. $37,581,430 62 



Liabilities. 

Computed premium reserve or net present value of all 
outstanding policies (Actuaries' 4 per cent.), . . $33,982,600 00 

Death losses and matured endowments in 

process of adjustment, .... $257,862 00 

Claims resisted by the company, . . 20,000 00 

Total policy claims, .... 277,862 00 

Unpaid dividends of surplus due policy-holders, . . 187,057 17 

Due for premiums paid in advance, 7,444 58 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, 



. $34,454,963 75 
. 3,126,466 87 



Gross liabilities, 



$37,581,430 62 



92 LIFE INSURANCE COMPANIES [Dec. 31, 

Premium Note Account. 

Premium notes on hand, Dec. 31, 1882, . $3,885,150 25 

received during 1883, . 392,117 36 

Total, $1,277,267 61 

Used in payment of losses and claims, . $110,569 55 
of surrendered policies 

and voided by lapse, . 99,142 46 
of dividends to policy- 
holders, . . . 16,614 33 
Redeemed by maker in cash, . . . 27,516 33 

Total, 253,842 67 



Balance note assets, Dec. 31, 1883, .... $4,023,424 94 

Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 41,791 $115,425,010 00 

Endowment policies, . . . . . . 4,838 10,799,245 00 

All other policies, . . . . . . 1,208 3,394,850 00 

New Policies issued in 1883. 

Whole-life policies, 

Endowment policies, . . 
All other policies, . 

Old Policies revived during the Year. 

Whole-life policies, 

Endowment policies, 

Old Policies increased during the Tear. 

Whole-life policies, 

Endowment policies, 

Additions by dividends, . . 

Total number and amount, . . . 52,777 $142,875,481 00 

Policies ceased to be in force during the Year. 



2,509 


6,906,436 00 


1,756 


4,521,285 00 


648 


1,742,250 00 


Year. 




12 


52,200 00 


3 


5,500 00 


,e Year. 




4 


14,500 00 


8 


12,708 00 


- 


1,497 00 





Number. 


Amount. 


Terminated by death, .... 


711 


12,160,991 00 


by maturity, . 


95 


221,218 00 


by expiry, .... 


227 


552,300 00 


by surrender, .... 


504 


1,188,513 00 


by lapse, . . . . 


755 


1,743,350 00 


by change and decrease, 


908 


2,629,531 00 


Not taken, 


399 


1,080,810 00 


Total terminated, .... 


3,599 


$9,576,713 00 



1883.] 



OF OTHER STATES. 



93 



Policies in force Dec. 31, 1883. 

Number. Amount. 

Whole-life policies, 41,721 %\ 15,090,009 00 

Endowment policies, 5,892 13,834,562 00 

All other policies, 1,505 4,372,100 00 

Reversionary additions, - 1,497 00 

Totals,. . * 49,178 $133,298,768 00 

Schedule A. 

Securities held as Collateral. 

Market value. Amount loaned. 

Adams Express stock, .... $8,250 00 

American Cable Telegraph stock, . . 54,900 00 

American Express stock, .... 18,300 00 

Atchison, Topeka and Santa Fc stock, . 79,000 00 

Bankers' and Merchants' Telegraph stock, 83,825 00 

Burlington and Missouri River bonds, . 5,000 00 

Canada and Southern stock, . . . 29,000 00 

Canada and Southern bonds, . . . 505,140 00 

Central Pacific stock, 621,030 00 

Central National Bank (N. Y.) stock, . 12,500 00 

Central R.R. of New Jersey bonds, . . 71,720 00 
Central R.R. of New Jersey and Lehigh 

and Wilkesbarre bonds, .... 7,245 00 

Chicago city bonds, 30,000 00 

Chicago and Alton stock, ... . . 39,750 00 

Chicago and Northwestern stock, . . 1,107,275 00 

Chicago and Northwestern bonds, . . 753,463 00 

Chicago and Atlantic bonds, . . . 135,000 00 

Chicago, Burlington and Quincy bonds, . 91,750 00 

Chicago, Burlington and Quincy stock, . 170,272 00 

Chicago, Milwaukee and St. Paul stock, . 1,392,570 00 

Chicago, Milwaukee and St. Paul bonds, . 235,090 00 

Chicago, Rock Island and Pacific stock, . 311,637 00 

Chic, St. Paul, Minn, and Omaha stock, . 168,813 00 

Chic, St. Paul, Minn, and Omaha bonds, . 107,750 00 

Cincinnati city bonds, .... 84,850 00 

Cleveland, Col., Cin. and Ind. stock, . . 26,000 00 

Delaware and Hudson Canal stock, . . 170,625 00 

Del., Lackawanna and Western stock, . 64,212 00 

District of Columbia bonds, . . . 4,120 00 

Erie and Pittsburgh bonds, . . . 4,000 00 

Evansville and Terre Haute bonds, . . 1,010 00 

Galveston, Houston and San Ant. bonds, . 170,510 00 

Gold and Stock Telegraph stock, . . 5,100 00 

Illinois Central stock, .... 33,200 00 

Jeffersonville Railroad bonds, . . . 12,000 00 

Lake Erie and Western bonds, . . . 7,500 00 

Lake Shore and Michigan Southern bonds, 360,120 00 



94 



LIFE INSURANCE COMPANIES [Dec. 31, 



Lake Shore and Michigan Southern stock, 

Long Island Railroad stock, 

Louisville and Nashville bonds, 

Manhattan Elevated stock, 

Manhattan Gas stock, 

Michigan Central stock, 

Missouri, Kansas and Texas bonds, . 

Missouri Pacific bonds, 

Missouri Pacific stock, 

Mutual Union Telegraph bonds, 

Newark City National Bank stock, . 

New Orleans Pacific bonds, 

New York Central stock, . 

New York, Chicago and St. Louis bonds, 

New York Elevated bonds, 

New York Elevated stock, 

New York and Harlem stock, . 

New York, Lake Erie and Western bonds, 

New York, West Shore and Buffalo bonds, 

Northern Pacific bonds, . 

Ogdensburgh and Lake Champlain bonds, 

Ohio and Mississippi stock, 

Oregon Improvement stock, 

Oregon Improvement bonds, 

Oregon Railway and Navigation stock, 

Oregon and Transcontinental bonds, 

Pennsylvania Railroad bonds, . 

Phila., Reading, Lehigh and Wilkes, bonds 

Pullman Palace Car Co. stock, . 

Rochester and Pittsburgh bonds, 

Saint Louis city bonds, 

Saint Louis and Iron Mountain bonds, 

Saint Louis and San Francisco bonds, 

Saint Louis and San Francisco stock, 

St. Louis, I. M. and Cairo and Fulton b'ds 

St. Paul, Minnesota and Manitoba bonds, 

St. Paul, Minnesota and Manitoba stock, 

Southern Pacific of California bonds, 

Texas and Pacific bonds, 

Troy and Boston bonds, 

Union Pacific bonds, . 

Union Pacific stock, . 

United States bonds, . 

Wabash bonds, . 

Wabash, St. L., Kansas City and N. bonds 

Western Union Telegraph stock, 

West Shore and Ontario Term, bonds, 



Market value. 

$265,300 00 

13,200 00 

38,000 00 

70,400 00 

99,320 00 

17,100 00 

35,710 00 

283,188 00 

309,750 00 

8,100 00 

13,000 00 

1,760 00 

191,637 00 

162,400 00 

6,050 00 

23,000 00 

110,000 00 

28,990 00 

306,383 00 

59,697 00 

232,290 00" 

10,000 00 

24,000 00 

84,240 00 

3,833 00 

9,480 00 

96,000 00 

1,600,000 00 

79,350 00 

12,740 00 

180,400 00 

9,000 00 

62,617 00 

95,700 00 

10,900 00 

519,350 00 

297,675 00 

413,000 00 

3,575 00 

10,000 00 

117,285 00 

110,110 00 

1,545,327 00 

30,165 00 

10,875 00 

616,790 00 

656,250 00 



Amount loaned. 



$15,926,470 00 $12,322,000 00 



1883.] 



OF OTHER STATES. 



95 



Schedule B. 
Bonds owned by the Company. 



United States bonds, . 
Essex county (N. J.) bonds, 
Union county (N. J.) bonds, 
Buchanan county (Mo.) bonds, 
Woodbury county (Iowa) bonds, 
Randolph county (Ind.) bonds, 
Erie city (Pa.) bonds, 
Springfield city (111.) bonds, 
South Bend city (Ind ) bonds, 
Lafayette city (Ind ) bonds, 
Toledo city (Ohio) bonds, . 
Sandusky city (Ohio) bonds, 
Cleveland city (Ohio) bonds, 
Saginaw city (Mich.) bonds, 
Newark city (N. J.) bonds, 
Orange city (N. J.) bonds, 
Rahway city (N. J.) bonds, 
New Brunswick city (N. J.) bonds, 
Elizabeth city (N. J.) bonds, 
Montclair township (N. J.) bonds, 
Milburn township (N. J.) bonds, 
West Orange township (N. J.) bonds, 
Elizabeth temporary tax loan bonds, 
Newark and New York R.R. bonds, . 
Lehigh and Wilkesbarre Coal Co. bonds, 



Par value. 

$313,000 00 

1,353,500 00 

100,000 00. 

494,400 00 

115,000 00 

34,500 00 

152,000 00 

114,300 00 

151,500 00 

160,000 00 

173,000 00 

100,000 00 

500,000 00 

100,000 00 

2,505,000 00 

60,000 00 

49,401 33 

14,000 00 

954,000 00 

330,000 00 

1,600 00 

135,500 00 

48,175 37 

573,000 00 

100,000 00 



Market value. 

$412,350 00 

1,623,120 00 

103,350 00 

494,400 00 

115,000 00 

34,500 00 

174,800 00 

114,300 00 

152,730 00 

201,600 00 

214,520 00 

112,000 00 

564,000 00 

100,000 00 

2,922,750 00 

74,500 00 

37,051 00 

15,400 00 

477,000 00 

330,000 00 

1,600 00 

171,575 00 

48,175 37 

618,840 00 

100,000 00 



$8,631,876 -70 $9,213,561 37 
Deduct depreciation of Elizabeth bonds, . 477,000 00 



5,154,876 70 $9,213,561 37 



96 



LIFE INSURANCE COMPANIES [Dec. 3 1 



NATIONAL LIFE INSURANCE COMPANY OF MONTPELIER, 

VERMONT. 

[Incorporated November, 1848. Commenced business Feb. 1, 1850.] 

Charles Dewey, President. George W. Reed, Secretary. 



Income. 

Total premium income, . . 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 



Total income, 
Net or ledger assets, Dec. 3l, 1882, 



Total, 



$116,585 38 

128,267 86 

10,744 14 

635 24 

9,362 46 



$565,595 08 
2,630,172 83 



,195,767 91 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, . . . . 

for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash dividends paid policy-holders, .... 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, ..... 
Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, . 

for furniture and office fixtures, 
for advertising and printing, 

for incidentals, 

for depreciation, 

Total disbursements, 

Balance, . 



1173,742 44 
1,024 47 
7,000 00 



$181,766 91 


3,816 


92 


36,735 


81 


535 


40 


58,419 


72 


752 


72 


$282,027 48 


42,503 59 


7,426 


86 


6,665 


01 


11,791 


58 


5,446 


42 


3,870 03 


1,500 


00 


3,872 


21 


4,885 


36 


24,180 50 


$394,169 04 



$2,801,598 87 



1883.] 



OF OTHER STATES. 



97 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Agents 1 ledger balances, . 

Ledger assets (as per balance), . 



$205,012 85 

892,274 37 

93,207 78 

31,249 18 

20,074 10 

1,421,900 00 

1,350 42 

124,770 87 

11,159 30 

f2,801,598 87 



Other Assets. 

Interest due and accrued, . . . . . 
Market value of stocks and bonds, over par, . 
Uncollected premiums on policies in force, $431 44 

Deferred premiums on policies in force, . 44,467 73 



Total, $44,899 17 

Deduct loading (25 per cent), . . . 11,224 79 
Net ain't uncollected and deferred prems., 

Total assets per company's books, .... 



44,875 89 
70,300 00 



33,674 38 



',950,449 14 



Items not Admitted. 



Agents' balances, 

Total admitted assets, . 



11,159 30 



. $2,939,289 84 



Liabilities. 

Computed premium reserve or net present value of all 
outstanding policies (Actuaries' 4 per cent.), 



Death losses due and unpaid, . 
Death losses and matured endowments in 
process of adjustment, .... 
Claims resisted by the company, 

Total policy claims, .... — 
Unpaid dividends of surplus due policy-holders, 
Extra reserve on life rate endowment policies, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, 

Gross liabilities, . c . . ■ . 



$3,000 00 



18,000 00 
10,000 00 



$2,020,070 00 



31,000 00 

38,206 44 

150,000 00 

. $2,239,276 44 
700,013 40 

. $2,939,289 84 



98 



LIFE INSURANCE COMPANIES [Dec. 31 : 



Premium Note Account. 



Premium notes on hand, Dec. 31, 1882, 


$20,886 85 




received during 1883, 


2,687 54 




Total 




$23,574 39 






Used in payment of losses and claims, 


$1,024 47 




of surrendered policies 






and voided by lapse, . 


535 40 




of dividends to policy- 






holders, 


752 72 




Redeemed by maker in cash, . . . , 


.587 70 




Total, 




2,900 29 





Balance note assets, Dec. 31, 1883, 



20,674 10 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, . 3,764 $7,912,709 00 

Endowment policies, 2,124 2,623,372 00 

All other policies, 16 64,000 00 

Reversionary additions, ..... - 68,928 00 



New Policies issued in 1883. 

Whole-life policies, 250 

Endowment policies, ...... 1,958 

All other policies, 2 

Additions by dividends, - 



610,000 00 

2,075,500 00 

10,000 00 

2,506 00 



Total number and amount, . 



8,114 $13,367,015 00 



Policies ceased to be in force during the Year. 







Number. 


Amount. 


Terminated by death, 


. 


83 


$174,767 00 


by maturity, .♦ 


. 


7 


7,000 00 


by expiry, 


. 


4 


8,300 00 


by surrender, . 


. . . 


195 


279,163 00 


by lapse, . 


. . • 


264 


361,100 00 


by change and decrease, 


1 


56,525 00 


Not taken, 




305 


358,435 00 


Total terminated, 


859 


$1,245,290 00 


Policies 


in force Dec. 31, 


1883. 








Number. 


Amount. 


Whole-life policies, 


. . 


3,766 


$7,959,337 00 


Endowment policies, . 


. 


3,478 


4,058,622 00 


All other policies, 


. . 


11 


39,000 00 


Reversionary additions, 




— 


64,766 00 




7,255 $12,121,725 00 



1883.] 



OF OTHER STATES. 



99 



Schedule A. 

Securities held as Collateral. 

Market value. 

30 shares National Car Co. stock, . . $2,700 00 

Chicago, Boston and Liverpool Co. stock, . 1,200 00 

Howard Nat'l Bank (Burlington) stock, . 8,800 00 

National Bank (Rutland) stock, . . 15,000 00 

Lane Manuf. Co. (Montpelier) stock, . 86,000 00 

Vermont Marble Co. bonds, ... 20,000 00 

70 shares National Car Co. stock, . . 6,300 00 

St. Albans bonds, 3,100 00 

Lamoille County National Bank stock, . 12,500 00 

Scranton Steel Co. stock, .... 15,000 00 

Farmers' Nat 1 l Bank (Vergennes) stock, . 11,000 00 



Amount loaned. 

$901 78 
800 00 

4,000 00 
15,000 00 
34,406 00 
10,000 00 

5,000 00 

3,100 00 
10,000 00 

10,000 00 



$181,600 00 $93,207 78 



Schedule 
Stocks and Bonds owned 



United States bonds, . 
Maine state bonds, 
New Hampshire state bonds, 
Missouri state bonds, . 
Boston city bonds, 
Lawrence city bonds, . 
Worcester city bonds, 
Fitchburg city bonds, 
Chelsea city bonds, 
Somerville city bonds, 
Beverly town bonds, . 
Burlington (Vt.) city bonds, 
Buffalo city bonds, 
Minneapolis city bonds, 
Stillwater city bonds, . 
Indianapolis city bonds, 
Appleton (Wis.) school bonds, 
Springfield (111.) city bonds, 
Burlington (la.) city bonds, 
Clinton city bonds, 
St. Louis city bonds, . 
East Saginaw city bonds, 
Niles (Mich.) city bonds, 
Piqua (Ohio) city bonds, 
Meriden city bonds, . 
St. Louis county bonds, 
Peoria (111.) county bonds, 
Cook (111.) county bonds, . 



B. 

by the Company. 

Par value. 

$300,000 00 

1,000 00 
15,000 00 
11,000 00 

10,000 00 
20,000 00 
20,000 00 
60,000 00 
65,000 00 
30,000 00 
25,000 00 
85,000 00 
10,000 00 
32,000 00 
41,000 00 
25,000 00 
13,500 00 
18,200 00 
35,000 00 

5,000 00 
11,000 00 
30,000 00 
18,500 00 
10,000 00 
43,000 00 
32,000 00 
22,000 00 

5,000 00 



Market value. 

$353,610 00 
1,000 00 
15,000 00 
11,000 00 
10,000 00 
20,000 00 
20,000 00 
60,000 00 
65,000 00 
30,000 00 
25,000 00 
85,000 00 
10,000 00 
32,000 00 
41,000 00 
25,000 00 
13,500 00 
18,200 00 
35,000 00 
5,000 00 
11,000 00 
30,000 00 
18,500 00 
10,000 00 
43,000 00 
32,000 00 
22,000 00 
5,000 00 



100 



LIFE INSURANCE COMPANIES [Dec. 31, 



Addison (Vt.) county bonds, 
Montpelier (Vt.) town bonds, 
St. Albans (Vt.) town bonds, 
Essex (Vt.) town bonds, . 
Scituate (Mass.) town bonds, 
Jericho (Vt.) town bonds, 
Highgate (Vt.) town bonds, 
Hyde Park (Vt.) town bonds, 
Wolcott (Vt.) town bonds, 
Arlington (Vt.) town bonds, 
Underhill (Vt.) town bonds, 
Jay (Vt.) town bonds, 
Brandon (Vt.) town bonds, 
Swanton (Vt.) town bonds, 
St. Johnsbury (Vt ) town bonds 
Sheldon (Vt.) town bonds, 
Jamaica (Vt.) town bonds, 
Bakersfield (Vt.) town bonds, 
Fairfax (Vt.) town bonds, . 
St. Albans (Vt.) village bonds, 
Vermont Marble Co. bonds, 
First Nat'l Bank (Montpelier) stock, 
Montpelier National Bank stock, 



Par value. 

$6,000 00 

43,600 00 

3,000 00 

20,000 00 

6,500 00 

20,500 00 

42,000 00 

46,000 00 

20,000 00 

20,000 00 

17,000 00 

7,000 00 

21,500 00 

5,000 00 

36,000 00 

5,000 00 

4,000 00 

6,000 00 

2,200 00 

58,000 00 

10,000 00 

26,000 00 

3,400 00 



Market value. 

$6,000 00 

43,600 00 

3,000 00 

20,000 00 

6,500 00 

20,500 00 

42,000 00 

46,000 00 

20,000 00 

20,000 00 

17,000 00 

7,000 00 

21,500 00 

5,000 00 

36,000 00 

5,000 00 

4,000 00 

6,000 00 

2,200 00 

58,000 00 

10,000 00 

41,600 00 

4,490 00 



,421,900 00 $1,492,200 00 



NEW YORK LIFE INSURANCE COMPANY OF NEW YORK. 

[Incorporated 1841. Commenced business 1845.] 

Morris Franklin, President. Wm. H. Beers, Vice-Pres. and Actuary, 

Note by the Company. — Wherever the term " Cash " is used in this statement, it means 
money in hand, or its equivalent in the company's money obligations. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts-due the company 
for rents of company's property, 
for profits on bonds or stocks sold, . 

Total income, 

Net or ledger assets Dec. 31, 1882, .... 



$10,530,940 21 

2,280,373 64 

237,548 63 

139,538 57 

19,130 96 

$13,207,532 01 

47,657,563 95 



Total, . 



,865,095 96 



1883.] 



OF OTHER STATES. 



101 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash dividends paid policy-holders, applied in payment 

of premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, . . . . 
Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employees, 

for taxes and fees, 

for advertising, . . 

for incidentals, . . . . . 

Total disbursements,. . . . 



Balance, 



$2,285,484 19 

17,608 10 

450,342 05 

1,887 75 

$2,755,322 09 
40,000 00 

$2,715,322 09 
701,214 34 
861,429 83 

8,410 57 

* 2,409,990 45 
3,023 12 

$6,699,390 40 

1,126,449 46 

80,000 00 

104,114 69 

212,916 50 

91,853 76 

84,241 05 

532,410 87 

$8,931,376 73 

$51,933,719 23 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 

on collateral security (schedule A), 
Premium notes or loans on policies in force, 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, 

deposited in bank, 

Agents' ledger balances, 

Ledger assets (as per balance), ..... 

Other Assets. 
Interest due and accrued, ...... 

Rents due and accrued, 

Market value of stocks and bonds, over cost, . 



$4,508,779 39 

20,681,471 72 

1,393,500 00 

461,445 57 

23,390,690 98 

2„680 70 

1,390,934 32 

104,216 55 

$51,933,719 23 



345,115 35 
17,156 80 

2,065,052 83 



102 LIFE INSURANCE COMPANIES [Dec. 31, 

Uncollected premiums on policies in force, « $536,811 05 
Deferred premiums on policies in force, . 645,047 46 



Total, $1,181,858 51 

Deduct loading (20 per cent.), • . . 236,37170 

Net ain't uncollected and deferred preni's, $945,486 81 



Total assets per company's books, . . . . $55,306,531 02 

Items not Admitted. 
Agents 1 balances, 104,216 55 



Total admitted assets, $55,202,314 47 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent), . .$47,794,283 00 
Deduct net value of reinsured risks, 417,436 00 



Net reinsurance reserve, $47,376,847 00 

Matured endowments due and unpaid, . $29,763 00 
Death losses and matured endowments in • 

process of adjustment, .... 574,772 03 
Claims resisted by the company, . . 36,000 00 

Total policy claims, .... — — — 640,535 03 

Premiums paid in advance, 28,610 48 



Liabilities as to policy-holders, $48,045,992 51 

Surplus as regards Tontine policy-holders, $2,236,096 04 
SurjDlus as regards other policy-holders, . 4,920,225 92 

Gross surplus as regards policy-holders, 7,156,32196 



Gross liabilities, . . $55,202,314 47 

Premium Note Account. 

Premium notes on hand Dec. 31, 1882, . $494,032 23 

received during 1883, . 39,832 60 

Total, $533,864 83 

Used in payment of losses and claims, . $19,495 85 
of surrendered policies 

and voided by lapse, . 8,410 57 
of dividends to policy- 
holders, . . • . 3,023 12 
Redeemed by maker in cash, . . . 41,489 72 

Total, 72,419 26 



Balance note assets Dec. 31, 1883, $461,445 57 



1883.] 



OF OTHER STATES. 



103 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 



Endowment policies, .... 
All other policies, .... 
Reversionary additions, 
Annuity bonds, 


. 14,412 
5 

2,952 


42,941,125 00 

16,000 00 

3,102,544 00 


New Policies issued ' 


In 1883. 




Whole-life policies, . . . 
Endowment policies, .... 
All other policies, .... 
Annuity bonds, 


. 8,732 

5,611 

7 

1,176 


29,571,590 00 

20,460,041 00 

11,200 00 


Old Policies revived during the Year. 

Whole-life policies, ...... 27 

Endowment policies, 8 


65,950 00 
29,310 00 


Old Policies increased during the Year. 

Whole-life policies, - 

Endowment policies, ...... - 

Additions by dividends, 


6,700 00 

23,979 00 

2,566,794 00 



Total number and amount, . 



75,711 $224,150,661 00 



Policies ceased to be in force during the Year. 

Terminated by death, 

by maturity, . 

by expiry, 

by surrender, . 

by lapse, 

by change and decrease, 
Not taken, 1,896 



dumber. 


Amount. 


787 


$2,408,636 00 


. 168 


430,928 00 


119 


11,700 00 


1,072 


6,214,040 00 


2,442 


6,904,632 00 


- 


1,737,179 00 


1,896 


7,697,503 00 



Total terminated, 



6,484 $25,404,618 00 



Policies in force Dec. 31, 1883. 

Number. 



Amount. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 
Reversionary additions, 
Annuity bonds, . 



47,440 $140,340,917 00 

17,774 54,987,674 00 

5 15,500 00 

3,401,952 00 

4,008 



Totals, 



69,227 $198,746,043 00 



104 



LIFE INSURANCE COMPANIES [Dec. 31, 



Schedule A. 

Securities held as Collateral. 

Market value. Amount loaned. 

Central National Bank stock, . . . $114,375 00 

Central Pacific R.R. stock, . . . 6,350 00 

Central R.R. of New Jersey bonds, . . 2,290 00 

Chicago, Burl, and Quincy R.R. stock, . 12,000 00 

Chicago, St. P , Minn. & Omaha R.R. stock, 9,400 00 

Decatur and East St. Louis R.R. bonds, . 3,000 00 

Delaware and Hudson Canal stock, . . 651,000 00 

Denver and Rio Grande R.R. bonds, . 5,885 00 

Erie R.R. stock, 30,800 00 

Farragut Fire Ins. Co. stock, . . . 6,000 00 

Fourth National Bank stock, . . . 131,200 00 

German American Bank stock, . . . 3,862 00 

Lake Shore R.R. stock, . ■ . . . 29,025 00 

Missouri Pacific R.R. stock, . . . 8,700 00 

New York Central R.R. stock, . . . 207,200 00 

N. Y., Lackawanna and West. R.R. stock, 8,500 00 

Northwestern R.R. stock, . . . . 278,300 00 

Omaha R.R. stock, ..... 28,200 00 

Western Union Telegraph stock, . . 88,800 00 



,624,887 00 $1,393,500 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, $794,738 34 $967,500 00 

New York city and county bonds, . . 1,883,700 89 2,334,675 00 

Brooklyn city bonds 1,599,521 71 1,954,400 00 

Buffalo city bonds, . . . . . 154,522 74 178,870 00 

Flushing (N. Y.) bonds, . . . 97,600 00 120,800 00 

Yonkers (N. Y.) bonds, ...... 181,335 11 227,170 00 

Rochester (N. Y.) bonds, .... 52,537 07 64,390 00 

East Chester (N. Y.) bonds, . . . 52,703 20 58,659 03 

Jersey City (N. J.) bonds, . . . 587,000 00 587,000 00 

Newark (N. J.) bonds, .... 932,147 99 946,060 00 

Richmond (Va.) bonds 46,250 00 67,000 00 

St. Paul (Minn.) water bonds, . . 184,820 40 218,000 00 

Tennessee state bonds, .... 9,880 00 9,880 00 

Georgia state bonds, 1,500 00 1,680 00 

Alabama state bonds, . . . . 36,100 00 38,400 00 

South Carolina state bonds, . . . 27,624 37 31,107 45 

Delaware and Hudson Canal Co. bonds, . 624,390 65 631,790 00 

New York Cent, and H. Riv. R.R. bonds, . 1,017,272 81 1,310,000 00 

New York and Harlem R.R. bonds, . . 1,064,54167 1,288,333 33 

Rensselaer and Saratoga R.R. bonds, . 9,519 92 11,685 00 



1883.] 



OF OTHER STATES. 



105 



N. Y., Lake Erie and Western R.R. bonds, 
Albany and Susquehanna R.R. bonds, 
Michigan Central R.R. bonds, . 
Chicago and Northwestern R.R. bonds, 
Denver and Rio Grande R.R. bonds, . 
New York, Lack, and Western R R. bonds 
Cleveland, C. C. and I. R.R. bonds, . 
Northern Pacific R.R. bonds, 
Union Pacific R.R. bonds, . 
Lake Shore and Mich. So. R.R. bonds, 
St. Paul and No. Pacific R.R. bonds, . 
Northern Pacific Terminal bonds, 
Metropolitan Elevated N. Y. R.R. bonds, 
New York Elevated R.R. bonds, 
Delaware and Hudson Canal Co. stock, 
Delaware, Lack, and Western R.R. stock 
N. Y. Cent, and Hudson Riv. R.R. stock, 
Chicago and Northwestern R.R. stock, 
Merchants 1 Bank, New York, stock, 
American Exchange Bank stock, 
Metropolitan Bank stock, . 
Bank of America stock, 
Bank of the Republic stock, 
American Safe Deposit Co. bonds, 
Manhattan Safe Deposit Co. stock, 
N. Y. Mutual Gas Light Co. bonds, 



Cost value. 

$2,383,280 70 

932,864 07 

61,041 67 

182,660 00' 

247,853 33 

1,610,599 32 

170,254 17 

1,218,000 00 

285,833 33 

1,170,000 00 

745,000 00 

500,000 00 

319,099 69 

662,955 00 

175,000 00 

1,163,837 50 

1,064,000 00 

834,737 50 

11,112 58 

10,025 00 

3,753 75 

8,484 00 

907 50 

56,185 00 

132,500 00 

83,000 00 



Market value. 

$2,503,333 33 

950,117 50 

61,416 67 

185,125 00 

247,853 33 

1,770,000 00 

170,254 17 

1,218,000 00 

285,833 33 

1,189,416 67 

750,000 00 

500,000 00 

321,000 00 

689,010 00 

183,750 00 

1,167,500 00 

1,064,000 00 

835,200 00 

12,155 00 

13,500 00 

5,550 00 

12,166 00 

1,298 00 

56,365 00 

132,500 00 

83,000 00 



$23,390,690 98 $25^55,743 81 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY OF 

MILWAUKEE, WIS. 

[Incorporated March, 1857. Commenced business Nov. 25, 1858.] 

H. L. Palmer, President. J. W. Skinner, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 

Total income, 

Net or ledger assets, Dec. 31, 1882, .... 



13,009,211 67 
1,101,105 85 

51,292 57 
1,670 71 

45,931 92 



$4,209,212 72 
19,138,423 08 



Total, $23,347,635 80 



106 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash surrender values, including reconverted additions 

applied in payment of premiums, .... 
Cash dividends paid policy-holders, applied in payment 

of premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employees, 

for taxes and fees, 

tor rent, 

for commuting commissions, . 
for furniture and office fixtures, 

for advertising, 

for incidentals, 

for profit and loss account, 

Total disbursements, 



Balance, 



$952,330 07 

32,166 24 

274,687 49 

34,163 78 



11,293,347 58 

143,715 50 

38,498 56 

75,438 77 

546,651 57 

129,177 90 



>2,226,829 88 

347,691 01 

32,398 69 

30,541 75 

113,139 74 

58,556 98 

6,077 34 

10,874 73 

2,045 70 

7,002 69 

110,780 62 

12,248 33 



$2,958,187 46 



$20,389,448 34 



Invested in the following : — 



Assets as per Ledger Accounts. 

Cost value of real estate, .... 
Loans on mortgage of real estate (first liens), 
Premium notes or loans on policies in force, 
Par value of stocks and bonds owned, 
Cash in company's office, . 
deposited in bank, 

Bills receivable, 

Agents' ledger balances, . 



$1,274,352 40 

15,708,301 98 

1,388,066 41 

1,075,025 00 

96,249 23 

817,516 00 

6,998 07 

22,939 25 



Ledger assets (as per balance), . 



,389,448 34 



1883.] OF OTHER STATES. 107 



Other Assets. 

Interest due and accrued, $277,175 71 

Rents due and accrued, 266 67 

Market value of stocks and bonds over par, . . . 121,964 01 

Uncollected premiums on policies in force, $73,949 62 
Deferred premiums on policies in force, . 334,133 00 



Total, $408,082 62 

Deduct loading (20 per cent), . . . 81,616 52 

Net am't uncollected and deferred prems., 326,466 10 



Total assets per company's books, .... $21,115,320 83 

Items not Admitted. 

Agents' balances, $22,939 25 

Bills receivable, 6,998 07 

Total, 29,937 32 



Total admitted assets, . $21,085,383 51 

Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $17,705,401 00 
Death losses and matured endowments in 

process of adjustment, .... $162,948 31 
Claims resisted by the company, . . 46,450 00 

' Total policy-claims, .... 209,398 31 

Unpaid dividends of surplus due policy-holders, . . 4,000 00 

Due for premiums paid in advance, 1,710 30 

for accrued commissions, 3,000 00 

for reserve on paid-up policies, claimable, . . 74,028 90 



Liabilities as to policy-holders, $17,997,538 51 

Surplus as regards Tontine policy-holders, $2,959 77 
as regards other policy-holders, . 3,084,885 23 
Gross surplus as regards policy-holders, — 3,087,845 00 



Gross liabilities, $21,085,383 51 

Premium Note Account. 

Premium notes on hand, Dec. 31, 1882, . $1,482,854 15 

received during 1883, . 183,550 68 

Total, $1,666,404 83 

Used in payment of losses and claims, . $66,330 02 
of surrendered policies 

and voided by lapse, . 53,426 70 



108 LIFE INSURANCE COMPANIES [Dec. 31, 

Used in payment of dividends to policy- 
holders, . . . . . . . $129,177 90 

Redeemed by maker in cash, . . . 29,403 80 

Total, ■ . . $278,338 42 



Balance note assets, Dec. 31, 1883, .... $1,388,06041 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 30,909 $62,016,450 00 

Endowment policies, 9,469 17,558,125 00 

All other policies, . . 

New Policies issued in 1883. 
Whole-life policies, . , 
Endowment policies, . . . 
All other policies, .. . . 



493 


3,180,849 00 


3,868 


10,544,471 00 


2,742 


6,129,877 00 


41 


105,156 00 


Year. 




182 


395,153 00 


76 


154,342 00 


4 


13,000 00 



Old Policies revived during the Year. 
Whole-life policies, . . . . . 
Endowment policies, . . . 
All other policies, 

Old Policies increased daring the Year. 

Endowment policies, 4 

All other policies ■ . 2 10,000 00 

Additions by dividends, ..... - 2,784,583 00 

Total number and amount, . . . 47,790 $103,492,006 00 

Policies ceased to be in force during the Year. 





Number. 


Amount. 


Terminated by death, .... 


424 


$990,692 00 


by maturity, .... 


236 


309,187 00 


by expiry, 


3 


2,207,354 00 


by surrender, .... 


523 


1,001,708 00 


by lapse, 


2,264 


4,832,985 00 


by change and decrease, 


3 


664,563 00 




536 


1,402,424 00 


Total terminated, 


3,989 


$11,408,913 00 


Policies in force Dec. 31, 


1883. 






Number. 


Amount. 


Whole-life policies, . . 


32,392 


$67,045,831 00 


Endowment policies, ..... 


10,940 


21,481,747 00 


All other policies, 


469 


3,555,515 00 



Totals, 43,801 $92,083,093 00 



1883.] 



OF OTHER STATES. 



109 



Schedule. 
Bonds owned by the Company. 



United States bonds, . 
State of Missouri bonds, 
Kansas City bonds, 
Saint Louis bonds, 
Cincinnati bonds, 
Covington bonds, 
Green Bay (Wis.) bonds, 
Sheboygan (Wis.) bonds, 
Beloit city (Wis ) bonds, 
Beloit tOAvn (Wis ) bonds, 
Springfield (111 ) bonds, 
Oshkosh (Wis.) bonds, 
Stevens Point (Wis.) bonds, 
Milwaukee (Wis.) bonds, 
Elwood (111.) bonds, . 
Morrison (111.) bonds, 
Chippewa Falls (Wis.) bonds, 



Par value. 

$221,500 00 

47,000 00 

125,000 00 

100,000 00 

183,000 00 

120,000 00 

7,300 00 

73,625 00 

77,000 00 

8,500 00 

12,700 00 

38,900 00 

2,000 00 

9,000 00 

28,500 00 

6,000 00 

15,000 00 



Market value. 

$285,348 22 

49,010 00 

138,950 00 

105,500 00 

198,555 00 

128,500 00 

7,433 84 

76,530 38 

82,732 21 

9,208 33 

12,911 66 

40,682 92 

2,113 33 

9,115 00 

29,248 12 

6,150 00 

15,000 00 



,075,025 00 $1,196,989 01 



PENN MUTUAL LIFE INSURANCE COMPANY OF PHILADEL- 
PHIA, PENN. 

[Incorporated Feb. 24, 1847. Commenced business May 25, 1847.] 

Samuel C. Huey, President. Henry C. Brown, Secretary. 



Income, 

Total premium income, $1,505,800 42 

Cash received for interest on stocks, bonds and loans, . 364,936 48 

for interest on other debts due the company, 36,344 51 

for rents of company's property, . . 35,483 58 

Cash rec'd for profits on bonds, stocks or real estate sold, 26,802 93 

Total income $1,969,367 92 

Net or ledger assets, Dec. 31, 1882, 7,894,738 43 



Total, . 



1,864,106 35 



110 



LIFE INSURANCE COMPANIES [Dec. 31 ; 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash dividends paid policy-holders, applied in payment 

of premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, . . . 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiner's fees, 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, . 
for advertising and printing, 

for incidentals, 

for depreciation, 

Total disbursements, 



Balance, 



$594,564 40 

17,848 31 

61,098 97 

6,581 03 

$680,092 71 
10,000 00 

$670,092 71 
97,210 40 

20,283 48 

247,665 04 
62,478 54 

$1,097,730 17 
112,771 12 
47,473 66 
17,408 58 
44,090 05 
38,776 62 
10,458 15 
32,367 54 
15,607 44 
28,036 20 
13,007 34 

$1,457,726 87 

$8,406,379 48 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, ...... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . 
deposited in bank, 

Bills receivable, . 

Agents' ledger balances, . 

Temporary notes, secured, 

Ledger assets (as per balance), . 



,207 95 

2,076,495 73 

398,172 54 

155,268 50 

614,904 55 

4,126,128 65 

6,183 76 

143,259 88 

13,593 41 

4,771 91 

36,392 60 



5,406,379 48 



1883.] 



OF OTHER STATES. 



Ill 



Other Assets. 

Interest due and accrued, $39,401 80 

Rents due and accrued, 7,169 15 

Market value of real estate, over cost, .... 30,000 00 

of stocks and bonds, over cost, . . . 386,624 35 
Uncollected premiums on policies in force, $71,938 73 
Deferred premiums on policies in force, . 105,965 99 

Total, $177,904 72 

Deduct loading (20 per cent.), . . • 35,580 94 

Net am't of uncollected and deferred prem's, 142,323 78 

Total assets per company's books, . . . . $9,011,898 56 



Items not Admitted. 



Agents 1 balances, 

Bills receivable, . 

Total, . 

Total admitted assets* 



$4,771 91 
13,593 41 



18,365 32 



5,993,533 24 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $7,482,717 00 

Deduct net value of reinsured risks, .... 56,440 00 

Net reinsurance reserve, $7,426,277 00 

Death losses and matured endowments in 

process of adjustment, .... $120,009 07 
Claims resisted by the company, . . 10,515 00 

Total policy claims, .... 130,524 07 

Unpaid dividends of surplus due policy-holders, . . 24,904 03 

Scrip outstanding, 9,220 00 

Life rate endowment fund, 99,672 25 

Premiums paid in advance, 16,270 18 

Liabilities as to policy-holders, $7,706,867 53 

Surplus as regards policy-holders, 1,286,665 71 



Gross liabilities, 



!,993,533 24 



* An examination of the condition of the company on 31st December last, made by this 
department, shows a greater value of assets by $69,877.13 than is claimed by the company in 
this statement. 



112 LIFE INSURANCE COMPANIES [Dec. 31, 

Premium Note Account. 

Premium notes on hand, Dec. 81, 1882, . $ 628,791 66 

received during 1883, . 105,469 44 

Total, . $734,261 10 

Used in payment of losses and claims, . $24,429 34 
of surrendered policies 

and voided by lapse, . 20,283 48 
of dividends to policy- 
holders, . . . 62,478 54 
Redeemed by maker in cash, . . . 12,165 19 

Total, . . 119,356 55 



Balance note assets, Dec. 31, 1883, .... $614,90455 

Exhibit of Policies. 

Policies and additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, . . . . . . 10,140 $28,052,943 00 

Endowment policies, . . . . . . 4,803 9,993,954 00 

All other policies, 29 62,500 00 

Reversionary additions, ..... - 85,125 00 

New Policies issued in 1883. 

Whole-life policies, 

Endowment policies, . . . . 

Old Policies revived during the Year. 

Whole-life policies, . . 
Endowment policies, . . . 



Old Policies increased during the Year 

Whole-life policies, 

Endowment policies, 

Additions by dividends, .... 



1,092 


2,822,566 00 


1,694 


3,853,778 00 


r ear. 
20 


34,350 00 


115 


63 7 601 00 


Year. 




2 


8,122 00 


14 


42,500 00 


- 


21,608 00 



Total number and amount, . . . 17,909 $45,041,047 00 

Policies ceased to be in force during the Year. 

Terminated by death, .... 

by maturity, .... 

by surrender, . . . 

by lapse, .... 

by change and decrease, 
Not taken, 



Number. 


Amount. 


209 


$601,625 00 


27 


67,680 00 


223 


483,902 00 


643 


1,440,350 00 


16 


157,315 00 


308 


768,500 00 



Total terminated, 1,426 $3,519,372 00 



1883.] 



OF OTHER STATES. 



113 



Policies in force Dec. 31, 1883. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 
Reversionary additions, 

Totals, . 



Number. Amount. 

10,507 $28,774,091 00 

5,951 12,588,895 00 

25 57,500 00 

101,189 00 



16,483 $41,521,675 00 



Schedule A. 

Securities held as Collateral. 



Market value. Amount loaned. 



36 shares Continental Pass. Railway Co., 
Austin (Texas) City Water Co. bonds, 
Leavenworth City Water Co. bonds, . 
Phoenix Iron Co. bonds, 
Shenandoah I., L., M. & Manuf. Co. bonds 
County of Camden (N. J.) bonds, 
Camden and Burlington Co. R.R. bonds, 
Penn. and N. Y. Canal and R.R. bonds, 
50 shares Frankford and Southwark R.R. 
64 " Continental Railway, . 
Delaware and Bound Brook R.R bonds, 
Austin (Texas) City Water Co. bonds, 
900 shares United Firemen's Ins. Co., 
St. Joseph (Mo.) city bonds, 
Nat. Water Works Co. (N. Y.) bonds, 
200 shares East Pennsylvania R.R., . 
Fort Worth (Texas) Water Co. bonds, 
Phila., Wil. and Bait. R R. trust certificates 
Louisville and Nashville R R. bonds, 
Shenandoah Valley R R. bonds, 
155 shares St. Paul and Duluth R.R., 
Austin (Texas) City Water Co. bonds, 
Phoenix Iron Co. bonds, 
338 shares Spring Garden Ins. Co., 
Northern Central Railway bonds, 
Phoenix Iron Co. bonds, 
State of Missouri bonds, . 
State of New Jersey bonds, 
Buffalo, N. Y. and Phila. Car Trust cert's, 



$3,672 00 

3,150 00 

110,000 00 

1,020 00 

65,000 00 

11,500 00 

10,750 00 

6,528 00 

3,780 00 

5,250 00 

15,750 00 

50,000 00^ 

5,000 00 J 

10,200 00 

63,000 00 



\ 57,875 00 

J 

\ 3,120 00 

43,940 00 
\ 5,060 00 



7,600 00 



$3,000 00 

2,085 00 

100,000 00 

550 00 

50,000 00 

10,000 00 

7,500 00 
5,000 00 

5,000 00 

10,000 00 
50,000 00 

7,000 00 
50,000 00 

50,000 00 

1,500 00 

37,000 00 

3,900 00 

5,637 54 



2,195 00 $398,172 54 



114 



LIFE INSURANCE COMPANIES [Dec. 31, 



Schedule B. 

Stocks and Bonds owned by the Company. 



United States bonds, . 
Pennsylvania R.R. bonds, . 
Pa. R R. and Phila , Wil. and B. trust cert's 
American Steamship Co. bonds, 
United Canal and R.R. bonds, . 
Northern Central Railway bonds, 
North Pennsylvania R R. bonds, 
Stony Creek R.R. bonds, . . 
Delaware and Bound Brook R.R. bonds, 
Philadelphia and Reading R.R. bonds, 
Phcenix Iron Co. bonds, 
Susquehanna Canal bonds, 
Lehigh Valley R.R. bonds, 
Easton and Amboy R R. bonds, . 
Baltimore and Ohio R.R. bonds, 
Cincinnati, Ham. and Dayton R.R. bonds 
Cincinnati, Ham and Ind. R.R. bonds, 
Dayton and Michigan R.R. bonds, 
Louisville (Ky.) city bonds, 
Illinois and St. Louis R.R. bonds, 
Venice and Carondelet R.R. bonds, . 
Jacksonville and S. Eastern R R. bonds, 
Minneapolis and St. Louis R.R. bonds, 
Minneapolis and Duluth R R. bonds, 
Terre Haute and Logansport R.R. bonds, 
Masonic Redemption Loan, Philadelphia 
Union League (Phila.) bonds, . 
Chester (Pa.) bonds, . 
Cumberland (Md.) bonds, . 
Xenia (Ohio) city bonds, . 
Xenia (Ohio) school bonds, 
Springfield (Ohio) bonds, . 
Evansville (Ind.) bonds, . 
St. Louis (Mo.) bonds, 
St. Joseph (Mo.) bonds, 
Harrisburg (Pa.) bonds, . 
Salem (N. J.) bonds, . . 
Jamestown (N. Y.) bonds, 
Chillicothe (O.) bonds, 
Hamilton and Rossville (O.) bonds, 
Canton (O.) city bonds, 
Louisville (Ky.) water bonds, . 
Kansas City (Mo.) water bonds, 
St. Joseph (Mo.) water bonds, . 
Joplin (Mo.) water bonds, 



Cost value. 

1,562 50 

203,150 00 

97,000 00 

25,000 00 

46,250 00 

210,000 00 

98,500 00 

49,000 00 

100,000 00 

50,000 0.0 

100,000 00 

48,600 00 

87,620 00 

100,000 00 

105,000 00 

103,750 00 

53,000 00 

51,250 00 

50,641 40 

100,000 00 

200,000 00 

45,000 00 

102,833 75 

51,562 50 

100,000 00 

60,000 00 

50,000 00 

185,571 00 

45,000 00 

50,450 00 

23,793 75 

40,000 00 

48,600 00 

25,030 00 

80,000 00 

50,150 00 

76,875 00 

150,000 00 

77,900 00 

50,000 00 

10,000 00 

97,312 50 

102,500 00 

1.00,000 00 

75,000 00 



Market value. 

$62,000 00 

237,320 00 

95,000 00 

27,000 00 

57,750 00 

218,000 00 

125,000 00 

55,000 00 

126,500 00 

63,500 00 

102,000 00 

54,900 00 

104,160 00 

107,000 00 

115,000 00 

110,000 00 

55,000 00 

51,000 00 

69,150 00 

116,000 00 

207,000 00 

49,000 00 

117,000 00 

56,000 00 

104,000 00 

64,800 00 

51,250 00 

203,840 00 

55,000 00 

50,960 00 

24,205 00 

40,800 00 

36,000 00 

31,800 00 

80,000 00 

66,080 00 

79,500 00 

154,000 00 

83,640 00 

50,000 00 

10,300 00 

110,000 00 

107,000 00 

103,000 00 

78,750 00 



1883.] 



OF OTHER STATES. 



115 



Hot Springs (Ark.) water bonds, 

Burlington (Iowa) water bonds, 

Austin (Tex.) water bonds, 

Freeport (111.) water bonds, 

Hudson River Water Power and Paper Co. 

500 shares Northern Cent'l Railway stock 



250 

209 

100 

100 

50 

76 

50 



Del. Mut. Safety Ins. Co. stock 
Com'rcial N'l B'k (Phila.) stock 
Western N'l B'k (Phila.) stock 
Corn Exc. N'l B'k (Phila.) stock 
Girard N'l Bank (Phila.) stock 
B'k of N. America (Phila.) st'k 
Mechanics' Bank, St. Louis, 



Cost value. 

$70,000 00 

70,500 00 

136,500 00 

100,000 00 

49,000 00 

17,960 00 

6,250 00 

11,035 25 

6,862 50 

5,000 00 

2,000 00 

10,168 00 

4,950 50 



Market value. 

$70,000 00 

78,750 00 

141,050 00 

103,000 00 

50,000 00 

30,000 00 

12,500 00 

12,540 00 

9,800 00 

6,300 00 

4,450 00 

23,408 00 

5,750 00 



t,126,128 65 $4,512,753 00 



PROVIDENT LIFE AND TRUST COMPANY OF PHILADELPHIA, 

PENN. 

[Incorporated March 22, 1865. Commenced business June, 1865.] 

Paid-up Capital, $1,000,000* 

Samuel R. Shipley, President. Asa S. Wing, Vice-Pres. and Actuary. 



Income. 

Total premium income, . ....... 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company, 
as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds, stocks or gold sold, . 



Total income, 
Net or ledger assets Dec. 31, 1882, 
Increase of capital during 1883, 



1,826,188 41 
106,412 50 



Total, 



,402,618 56 

303,631 20 

23,649 07 

1,388 12 

7,010 12 

4,436 52 

,742,733 59 



6,932,600 91 



1,675,334 50 



* Note. — The interest earned by the investments which make up the $1,000,000 Capital 
Stock, is not included in the report of the Income of the Company; nor is any charge made 
for dividends to capital in Disbursements. 



116 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 
Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies, . . . . 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash dividends paid policy-holders, applied in payment 

of premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, . . 

for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employees, 
for taxes and fees, . . . 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, . ' 

Total disbursements, 

Balance, . . . . . . . 



$276,290 00 
99,600 47 

$375,890 47 
18,055 40 
32,581 81 

2,771 05 

160,390 41 
5,317 43 

$595,006 57 

120,661 66 

16,067 94 

10,728 67 

48,887 74 

22,665 48 

4,674 37 

5,757 17 

6,726 52 

19,788 99 

$850,965 11 

$7,824,369 39 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 

on collateral security (schedule A), 
Premium notes or loans on policies in force, 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, 

Ledger assets (as per balance), 

Other Assets. 
Interest due and accrued, . . . . . . 

Rents due and accrued, 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, $102,532 01 
Deferred premiums on policies in force, . 232,012 52 

Total, . . . . . . . $334,544 53 

Deduct loading (20 per cent), . . . 66,908 91 
Net am't uncollected and deferred prem's, 

Total assets per company's books, .... 



$576,063 90 

3,361,681 70 

376,673 33 

50,428 23 

3,402,821 88 

56,700 35 

$7,824,369 39 



56,122 46 

1,830 06 

142,083 12 



267,635 62 
1,292,040 65 



1883.] OF OTHER STATES. 117 

Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $6,658,736 00 
Death losses due and unpaid, . . . $1,000 00 

Matured endowments due and unpaid, . 1,000 00 

Death losses and matured endowments in 
process of adjustment, .... 72,977 00 

Total policy claims, .... 74,977 00 

Unpaid dividends of surplus due policy-holders, . . 11,389 08 

Due for premiums paid in advance, 10,980 21 

for sundries, 195 48 



Liabilities as to policy-holders, $6,756,277 77 

Surplus as regards policy-holders, ..... 1,535,762 88 



Gross liabilities, . $8,292,040 65 

Premium Note Account. 

Premium notes on hand Dec. 31, 1882, . $59,138 96 

received during 1883, . 5,395 27 

Total, — .$64,534 23 

Used in payment of surrendered policies 

and voided by lapse, $2,771 05 
of dividends to policy- 
holders, . , . 5,317 43 
Redeemed by maker in cash, . . . 6,017 52 

Total, 14,106 00 



Balance note assets Dec. 31, 1883, .... $50,428 23 

Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 1,868 $5,939,321 00 

Endowment policies, 

All other policies, . . . * . 
Reversionary additions, 

New Policies issued in 1883. 

Whole-life policies, 

Endowment policies, 

All other policies, 

.Old Policies revived during the Year. 

Whole-life policies, 

Endowment policies, 



8,386 


26,389,917 00 


91 


276,000 00 


" 


158,824 00 


111 


399,150 00 


2,094 


6,660,978 00 


7 


25,500 00 


ar. 
1 


10,000 00 


16 


49,500 00 



118 



LIFE INSURANCE COMPANIES [Dec. 31, 



Old Policies increased during the Year. 

Whole-life policies, ...... 5 $26,000 00 

Endowment policies, . . . . . . 36 144,000 00 

Additions by dividends, - 38,383 00 



Total number and amount, 


12,615 $40,117,573 00 


Policies ceased to be in force during the Year 






Number. 


Amount. 


Terminated by death, .... 


.90 


$280,817 00 


by maturity, .... 




, 67 


99,601 00 


by expiry, .... 




2 


3,200 00 


by surrender, . . . . 




. 176 


602,864 00 


by lapse, ..... 




. 442 


1,300,700 00 


by change and decrease, 




- 


75,440 00 


by transfer, . 




. 41 


169,500 00 


Not taken, 




31 


85,500 00 


Total terminated, .... 


' • 


849 


$2,617,622 00 


Policies in force Dec. 31, 


1883. 






Number. 


Amount. 


Whole-life policies, ..... 


1,863 


$5,942,333 00 


Endowment policies, 


9,819 


31,105,151 00 


All other policies, 


84 


266,550 00 


Reversionary additions, .... 


• 


- 


185,917 00 



Totals, . 



11,766 $37,499,951 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

1500 shares Lehigh Valley R.R. Co., . . $106,500 00 

3000 " Lehigh Coal and Nav. Co., . 132,000 00 

2750 ■* East Pennsylvania R.R. Co , . 140,250 00 

Texas and Pacific Railway Co. bonds, . 50,400 00 

Phila. and Reading R.R. Co. con. mort b'ds, 39,500 O0 

Phil, and Reading R.R. Co. gen'l mort. b'ds, 37,100 00 



Amount loaned. 

$75,000 00 

100,000 00 

97,883 33 

48,900 00 

24,475 00 

30,415 00 



$505,750 00 $376,673 33 



Schedule B. 

Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, $120,000 00 $121,200 00 

Lehigh Valley R.R. bonds, . . . 291,680 00 292,560 00 

Lehigh Valley R.R. consolidated bonds, . 292,500 00 366,000 00 



1883.] 



OF OTHER STATES. 



119 



Eastern and Amboy R.R bonds, 
Lehigh and Wilkesbarre Coal Co. bonds, 
Pennsylvania Railroad bonds, . 
Summit Branch Railroad bonds, 
Northern Central Railway bonds, 
Phila., Wilmington and Baltimore bonds, 
Philadelphia and Baltimore R.R. bonds, 
Texas and Pacific Railway bonds, 
North Pennsylvania Railroad bonds, 
Catasauqua and Fogelsville R.R. bonds, 
Pennsylvania state bonds, . 
Belt Railroad and Stock Yard bonds, 
Missouri Pacific Railroad bonds, 
Philadelphia and Reading R.R. bonds, 
New York and Pacific Car Trust bonds, 
Central New Jersey Car Trust bonds, 
Car Trust of New York bonds, . 
Pennsylvania Car Trust bonds, . 
Richmond and Danville Railroad bonds, 
Texas and Pacific Railway bonds, 
Philadelphia and Erie Railroad bonds, 



Cost value. 

$18,000 00 

18,800 00 

265,184 38 

22,500 00 

376,310 00 

334,460 00 

110,600 00 

153,000 00 

229,372 50 

36,000 00 

16.480 00 

31,500 00 

100,250 00 

197,625 00 

64,000 00 

134,000 00 

258,935 00 

100,000 00 

98,500 00 

81,000 00 

52,125 00 



Market value. 

$19,080 00 

18,900 00 

302,350 00 

25,000 00 

383,060 00 

333,450 00 

111,100 00 

152,640 00 

235,400 00 

36,000 00 

19,040 00 

31,500 00 

102,000 00 

207,000 00 

64,000 00 

134,000 00 

259,000 00 

100,000 00 

98,500 00 

81,000 00 

52,125 00 



$3,402,821 88 $3,544,905 00 



PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF 

NEW YORK. 

[Incorporated February 25, 1875. Commenced business August 10, 1875.] 

Paid-up Capital, $100,000. 

Sheppard Homans, President. Wm. E. Stevens, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

from stockholders, 



Total income, .... 
Net or ledger assets, Dec. 31, 1882, . 



$79,339 01 

4,955 50 

26,000 00 

^110,294 51 
137,661 32 



Total, $247,955 83 



120 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 

Cash paid for losses and additions, . 

for surrendered policies, . . . . 
Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 

Cash dividends paid policy-holders, $702.40 ; applied in 

payment of premiums, $1,739.22, .... 

Total paid policy-holders, . . 
Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, . 

for furniture and office fixtures, 

for advertising, 

for incidentals, 

Agents' balances, charged off, 

Total disbursements, 



Balance, 



25,712 75 

6,660 44 

3,325 87 

2,441 62 



$38,140 68 
19,445 88 
2,816 33 
2,655 75 
13,912 23 
1,652 35 
4,494 00 
1,060 26 
2,105 68 
6,045 01 
7,140 10 



,468 27 



$148,487 56 



Invested in the following : — 

Assets as per Ledger Accounts. 
Loans on mortgage of real estate (first liens), 

on company's policies assigned as collateral, 
Premium notes or loans on. policies in force, . 
Cost value of stocks and bonds owned (schedule A.), 

Cash in company's office, 

Cash deposited in bank, 

Ledger assets (as per balance), .... 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, 



$20,000 00 

175 00 

462 19 

117,000 00 

1,265 22 

9,585 15 

$148,487 56 
2,125 00 

$146,362 56 



Other Assets. 

Interest due and accrued, .... 
Uncollected and deferred premiums on 

policies in force, 

Deduct loading (20 per cent), . 

Netam't of uncollected and deferred prem's, 



57,217 71 
1,443 54 



615 12 



5,774 17 



Total assets per company's books, 



$152,751 85 



1883.] OF OTHER STATES. 121 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries 1 4 per cent.), . . $84,664 00 
Deduct net deferred prem's on yearly renewable policies, 33,082 00 



Net reinsurance reserve, $51,582 00 

Death losses and matured endowments in process of 

adjustment, . 10,000 00 

Unpaid dividends of surplus due policy-holders, . . 142 20 



Liabilities as to policy-holders, $61,724 20 

Surplus as regards policy-holders, 91,027 65 



Gross liabilities, $152,751 85 

Premium Note Account. 

Premium notes on hand, Dec. 31, 1882, . $3,480 87 

received during 1883, . 447 19 

Total, ..... . . — — $3,928 06 

Used in payment of surrendered policies 

and voided by lapse, . . . . $3,325 87 

Charged off during 1883, .... 140 00 

Total, ■ 3,465 87 



Balance note assets, Dec. 31, 1883, .... $462 19 

Exhibit op Policies. 

Policies and additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 403 $189,621 00 

Endowment policies, 52 103,925 00 

All other policies, ...... 1,259 2,343,725 00 

New Policies issued in 1883. 

Whole-life policies, 1 2,000 00 

Endowment policies, 78 24,000 00 

All other policies 1,237 5,600,100 00 

Old policies revived during the year, . . 2 3,000 00 



Total atimber and amount, . . . 3,032 $8,266,371 00 

Policies ceased to be in force during the Year. 

Terminated by death, 

by expiry, 



Number. 


Amount. 


22 


$24,875 00 


409 


856,000 00 



122 LIFE INSURANCE COMPANIES [Dec. 31, 



Terminated by surrender, . 

by lapse, 

by change and decrease, 
Not taken, 



Number. 


Amount. 


38 


$96,500 00 


122 


67,150 00 


- 


2,500 00 


52 


199,000 00 



Total terminated, 643 $1,246,025 00 



Policies in force Dec. 51, 1883. 

Number. Amount. 

Whole-life policies, 258 $103,221 00 

Endowment policies, ...... 100 92,675 00 

All other policies, 2,031 6,824,450 00 



Totals, 2,389 $7,020,346 00 

Schedule A. 

Bonds owned by the Company. 

Cost value. Market value* 

United States bonds, $102,000 00 $101,000 00 

Atchison Jewell Co. and W. R.R. bonds, . 15,000 00 13,875 00 



$117,000 00 $114,875 00 



TRAVELERS 1 INSURANCE COMPANY (LIFE DEPARTMENT) 
OF HARTFORD, CONN. 

[Incorporated June 17, 1863. Commenced business July, 1866.] 

James G. Batterson, President. Rodney Dennis, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds or stocks sold, 



Total income, 
Net or ledger assets, Dec. 31, 1882, 



$660,027 87 

228,200 96 

2,995 21 

431 29 

15,979 89 

84,015 56 

$991,650 78 
4,921,216 36 



Total, $5,912,867 14 



1883.] 



OF OTHER STATES. 



123 



Disbursements. 

Cash paid for losses and additions, . 

for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, .... 
for surrendered policies, . 

Total paid policy-holders, . 
Cash paid for commissions to agents, 

for salaries and travelling expenses 
for medical examiner's fees, 
for salaries of officers and office em 
for taxes and fees, 

for rent, 

for advertising, .... 
for incidentals, .... 

Total disbursements, .... 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 

on company's policies assigned as collateral, 
Cost value of stocks and bonds owned (schedule B). 
Cash in company's office, .... 
deposited in bank, .... 
Agents' ledger balances, .... 

Ledger assets (as per balance), . 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, 

Other Assets. 

Interest accrued, 

Uncollected premiums on policies in force, $63,139 69 
Deferred premiums on policies in force, . 88,528 42 



. 


$232,511 29 


ons, . 


28,309 00 


lents, 


$260,820 29 


. , 


150 00 


• 


28,920 82 


. 


$289,891 11 


. 


74,359 91 


of agents 


7,692 34 


. 


7,744 46 


ployees, 


30,425 29 


. 


5,487 19 


. . 


920 82 


. 


26,670 78 


« 


13,796 63 


• 


$456,988 53 


■ • 


$5,455,878 61 



$1,035,442 14 

2,770,731 48 

112,300 00 

15,099 50 

1,345,944 87 

4,313 27 

171,822 35 

225 00 

$5,455,878 61 

410,298 14 

$5,045,580 47 



,162 18 



Total, $151,668 11 

Deduct loading, . ..-.'. . . . 18,200 17 
Net am't uncollected and deferred prem's, 



133,467 94 



Total assets per company's books, 



$5,248,210 59 



124 LIFE INSURANCE COMPANIES [Dec. 31, 

Items not Admitted. 

Agents' balances, * $225 00 



Total admitted assets, $5,247,985 59 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $4,513,845 00 
Deduct net value of reinsured risks, . . . = . . 18,581 00 



Net reinsurance reserve, 
Reserve for indemnity contracts, 
Death losses and matured endowments in 

process of adjustment, . 
Claims resisted by the company, 
Total policy Claims, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, 



$3,576 00 
21,000 00 



$4,495,264 00 
9,500 00 



84,576 00 



. $4,589,340 00 
658,645 59 



Gross liabilities, $5,247,985 59 

Exhibit op Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, ...... 10,863 $19,040,763 00 

Endowment policies, ...... 2,507 3,627,165 00 

All other policies, 73 168,385 00 

New Policies issued in 1883. 

Whole-life policies, 1,323 3,056,413 00 

Endowment policies, 762 1,555,457 00 

All other policies, ...... 15 32,700 00 

Old Policies revived during the year. 

Whole-life policies, 26 33,716 00 

Endowment policies, 8 10,200 00 

Old Policies increased during the year. 

Whole-life policies, ...... - 7,352 00 

Endowment policies, - 2,333 00 

All other policies, - 1,000 00 



Total number and amount, .... 15,577 $27,535,484 00 



1883.] 



OF OTHER STATES. 



125 



Policies ceased to be in force during the Year. 



Terminated by death, 

by maturity, . 

by expiry, 

by surrender, . 
• by lapse, . 

by change and decrease, 
Not taken, 

Total terminated, 



Number. 

123 

29 
4 

70 
660 
126 
187 



Amount. 

$235,001 00 

23,401 00 

3,350 00 

91,745 00 

1,375,550 00 

365,383 00 

435,450 00 



1,199 $2,529,880 00 



Policies in force Bee. 31, 1883. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 



Number. 

11,318 

2,988 

72 



Amount. 

,102,514 00 

4,729,255 00 

173,835 00 



Totals, 14,378 $25,005,604 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

Winchester Repeating Arms Co. stock, . $48,000 00 ' 

Meriden Britannia Co. stock, . . . 95,188 ^00 . 

N. Y. Central and H. R. R.R. Co. stock, . 45,600 00 • 

Lake Shore and Mich. So. R.R. Co. stock, 11,200 00 

Eagle Lock Co. stock, .... 5,000 00 . 

Phoenix Insurance Co. stock, . . . 800 00 

W. Col. Live Stock Co. notes, . . . 16,000 00 



Amount loaned. 

$50,000 00 

55,000 00 

300 00 
7,000 00 



$221,788 00 $112,300 00 



Schedule B. 



Stocks and Bonds owned 



Atchison county (Ks.) bonds, . 
Butler county (Neb.) bonds, 
Traill county (Dak.) bonds, 
Middletown (Conn ) town bonds, 
Limestone (111.) town bonds, 
Pilot (111.) town bonds, 
Norton (111.) town bonds, . 
Lancaster (Ks.) township bonds, 
Lakin (Ks.) township bonds, 



by the Company. 

Cost value. 

$4,525 00 
57,085 00 

1.500 00 
10,786 67 

3,725 06 
13,287 12 

2,736 43 
14,850 00 

7,455 00 



Market value. 

$4,500 00 
56,840 00 

1,500 00 
10,550 00 

3,030 00 
12,120 00 

2,020 00 
14,850 00 

7,140 00 



126 



LIFE INSURANCE COMPANIES [Dec. 31, 



Crawford (Ks ) township bonds, 

Indianapolis (Ind.) city bonds, 

Topeka (Ks.) city bonds, . 

Ottawa (Ks.) city bonds, . 

Oswego (N. Y.) city bonds, 

Hartford (Conn ) city bonds, 

Montreal (Canada) city bonds, 

Lake Shore and Michigan Southern bonds 

Chicago, Milwaukee and St. Paul bonds, 

Keokuk and Des Moines bonds, 

Detroit, Monroe and Toledo bonds, . 

Northern Missouri bonds, . 
600 shares Hartford City Gas Light Co., 
550 " H. Y., N. H. andH. RR., 
400 " Chicago, R. I. and Pacific, 

2000 " N. Y. Central and H. R. R R. 
500 " Central Pacific, 
800 " Chicago and North-Western, 
169 " Nat'l Exchange B'k, Hartford 

119 " F. and Mech. N. B'k, Hartford 
350 " American Nat 1 ! B'k, Hartford 
241 " Phoenix Nat'l Bank, Hartford 
100 " Mercantile Nat'l B'k, Hartford 
541 " Hartford Nat'l Bank, Hartford 
100 " First Nat'l Bank, Hartford, 
154 " Charter Oak N. B'k, Hartford 
250 " Thames Nat'l Bank, Norwich 
100 " Metropolitan Nat'l B'k, N. Y. 
200 " Amer. Ex. Nat'l Bank, N. Y., 
400 " Mer. Ex. Nat'l Bank, N. Y., 
100 " N. B'k Commonwealth, Boston 
100 " Atlas Nat'l Bank, Boston, 

350 " Conn. Trust and S.D. Co. H'tf'd, 

120 " Security Co., Hartford, . 



Cost value. 

$23,875 00 

7,766 66 
34,686 84 

8,160 00 
10,639 72 
10,600 00 
48,190 33 

2,110 00 
86,790 31 

4,950 00 
21,432 17 
10,700 00 
28,635 01 
84,152 75 
52,987 50 
270,731 25 
46,612 50 
110,800 00 
10,721 50 
17,593 00 
23,324 50 
37,094 00 
10,200 00 
85,630 50 
10,488 38 
19,982 25 
32,100 00 
13,115 63 
21,413 00 
19,912 79 
11,212 75 
11,900 00 
29,400 00 
12,086 25 



Market value. 

$23,750 00 

10,450 00 

44,000 00 

8,160 00 

10,550 00 

10,900 00 

49,680 00 

2,420 00 

97,680 00 

10,200 00 

24,600 00 

12,100 00 

18,000 00 

99,550 00 

47,200 00 

228,000 00 

31,500 00 

92,800 00 

12,675 00 

14,875 00 

26,250 00 

42,175 00 

12,500 00 

97,380 00 

11,500 00 

22,330 00 

35,000 00 

14,900 00 

25,400 00 

16,000. 00 

11,100 00 

12,400 00 

42,000 00 

15,000 00 



,345,944 87 $1,345,575 00 



1883.] 



OF OTHER STATES. 



127 



UNION MUTUAL LIFE INSURANCE COMPANY OF PORTLAND, 

MAINE. 

[Incorporated July 17, 1848. Commenced business Oct. 1, 1849.] 

John E. De Witt, President. Henry D. Smith, Secretary. 



Income. 

Total premium income, . . . . . 
Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
. as discount on claims paid in advance, 

for rents of company's property, 

for profit and loss account, . 



Total income, . . . . 
Net or ledger assets, Dec. 31, 1882, . 



Total, 



8710,519 83 

213,833 00 

9,249 17 

621 57 

41,840 47 

35,955 13 

$1,012,019 17 
6,030,036 27 

57,042,055 44 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash surrender values, including reconverted additions 

applied in payment of premiums, . . * . 

Cash dividends paid policy-holders, $1,592.32 ; applied in 

payment of premiums, $50,727.70, .... 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, . . . . 
Cash paid for commissions to agents, 
for medical examiner's fees, 
for salaries of officers and office employees, 

for taxes and fees, 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 



5372,854 02 
24,314 00 

191,723 41 
28,758 00 

5617,649 43 
27,509 36 

38,148 00 

51,344 54 

52,320 02 
23,358 00 



5810,329 35 

149,653 06 

7,992 00 

41,971 61 

11,617 25 

14,673 91 

40,759 24 



$1,076,996 42 



1,965,059 02 



128 



LIFE INSURANCE COMPANIES [Dec. 31, 



Invested in the following : — 

Assets as per Ledger Accounts. 

Appraised value of real estate, .... 

Loans on mortgage of real estate, 

on collateral security (schedule A), 

on company's policies assigned as collateral, 

Premium notes or loans on policies in force,' 

Cost value of stocks and bonds owned (schedule B) 

Cash in company's office, 
deposited in bank, 

Bills receivable, . 

Agents' ledger balances, 

Judgment, . 

Ledger assets (as per balance), 

Otiier Assets. 

Interest due and accrued, 

Rents due and accrued, . 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, $62,409 79 
Deferred premiums on policies in force, . 76,436 63 

Total, . . . ... . . $138,846 42 

Deduct loading (20 per cent.), . . . 27,769 28 
Net am't of uncollected and deferred prem's, 

Total assets per company's books, .... 



11,844,023 30 

1,472,349 69 

141,510 00 

3,432 75 

764,071 00 

1,671,177 41 

57 38 

63,888 19 

3,043 74 

287 56 

1,218 00 

55,965,059 02 



158,314 77 

2,891 08 

34,009 51 



111,077 14 
(,271,351 52 



Items not 

Amount of mortg'es in excess of valu 
Second mortgages, 

Advances, 

Judgments,. .... 

Mortgages on leasehold's, . 

Cash due from Indiana Banking Co., 

Agents' balances, 

Past due interest, 

Bills receivable, . . . 

Berkshire Glass Co. stock, . 

Total, ..... 

Total admitted assets, . 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Admitted. 

ition, $19,071 80 
3,882 43 
1,308 75 
1,218 00 
4,556 25 
541 02 
287 56 
357 87 
3,043 74 
7,400 00 



Net reinsurance reserve, 



41,667 42 
1,229,684 10 



$5,752,834 00 
2,011 00 

$5,750,823 00 



1883.] 



OF OTHER STATES. 



Prem. obligations in excess of net values of their policies, 
Death losses due and unpaid, . . . $11,200 00 
Matured endowments due and unpaid, . 5,804 20 

Death losses and matured endowments in 

process of adjustment, .... 32,980 93 

Claims resisted by the company, . . 23,809 58 

Total policy claims, .... 

Unpaid dividends of surplus due policy-holders, 

Contingent reserve, 

Premiums paid in advance, . . . 

All other liabilities (estimated), 

Liabilities as to policy-holders, 

Surplus as regards policy-holders, . 



129 

$87 00 



73,794 71 

10,748 84 

927 00 

2,687 89 

5,000 00 

1,844,068 44 

385,615 66 



Gross liabilities, 



►,229,684 10 



Premium Note Account. 

Premium notes on hand Dec. 31, 1882, . $836,767 00 

received during 1883, . 60,196 00 

Total, __ $896,963 00 

Used in payment of losses and claims, . $53,072 00 
of surrendered policies 

and voided by lapse, . 40,972 00 
of dividends to policy- 
holders, . . . 23,358 00 
Redeemed by maker in cash, ... 4,651 00 

Transferred, 10,839 00 

Total, — - 132,892 00 

Balance note assets Dec. 31, 1883, . . . . $764,071 00 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 6,513 $12,562,102 00 

Endowment policies, 5,907 8,876,515 00 

All other policies 1,620 3,123,956 00 

Reversionary additions, . . . . . - 58,992 00 



New Policies issued in 1883. 



Whole-life policies, 
Endowment policies, . 
All other policies, 



45 

1,292 

655 



66,865 00 
2,294,498 00 
1,344,500 00 



130 



LIFE INSURANCE COMPANIES [Dec. 31, 



Old Policies revived during the Year. 



Whole-life policies, 


xiumuer. 

4 


A1UOUUU 

$8,960 00 


Endowment policies, 


20 


40,800 00 


All other policies, . . . . 


, 


238 00 


Old policies increased during the year, 


253 


497,460 00 


Additions by dividends, 


- 


50,958 00 


Total number and amount, . 


16,309 | 


28,925,844 00 



Policies ceased to be in force during the Tear. 



Terminated by death, 

by maturity, . 

by expiry, 

by surrender, ... 

by lapse, 

by change and decrease, 
Not taken, . . . 



Number. 


Amount. 


202 


$377,547 00 


188 


213,297 00 


305 


624,945 00 


157 


380,534 00 


743 


1,344,569 00 


253 


574,994 00 


441 


882,000 00 



Total terminated, 



2,289 $4,397,886 00 



Policies in force Dec. 31, 1883. 

Number. Amount. 

Whole-life policies, 6,178 $11,716,995 00 

Endowment policies, 5,666 8,450,124 00 

All other policies, 2,176 4,261,156 00 

Reversionary additions, - 99,683 00 



Totals, 



14,020 $24,527,958 00 



Schedule A. 
Securities held as Collateral. 



Endowment policy, N. E. Mutual Life, 

866 shares Chatham Nat'l Bank, N. Y., 

Maine Central R.R. bonds, 

Flint and Pere Marquette R.R. bonds, 

Cleveland (O.) city bonds, 

Bath (Me.) city bonds, 

Fort Wayne (Ind.) city bonds, . 

280 shares Westbrook Manuf. Co., 

Maine Central R.R. bonds, . 

Dayton (Ohio) water bonds, 

United States bonds, ... 

Flint and Pere Marquette R.R. bonds, 

100 shares N. Y. and N. E. R.R , 



Market value. 

$2,884 62 

31,200 00 

1,830 00 

5,450 00 

1,120 00 

2,140 00 

1,100 00 

28,000 00 

12,200 00 

2,060 00 

2,500 00 

7,630 00 

1,800 00 



Amount loaned. 
$2,500 00 
20,800 00 



10,000 00 



25,000 00 
10,000 00 
1,800 00 
1,500 00 
7,000 00 
1,500 00 



1883.] 



OF OTHER STATES. 



131 



15 shares Lewiston and Auburn H R.R., 
Maine Central R.R. bonds, 
Flint and Pere Marquette R.R. bonds, 
30 shares Wells, Fargo & Co., . 
New York and New England R.R. bonds 
Cook Co. (111.) bonds, 
Chicago River Improvement bonds, . 
200 shares Flint and Pere Marquette R.R. 
24 " Central Wharf, Portland, Me., 
Kingston (N. Y.) Water Co. bonds, . 
10 shares First Nat'l Bank, Portland, 
Youngstown (O.) school bonds, 
Kingston (N. Y.) Water Co. bonds, . 
50 shares Casco Nat'l Bank, Portland, 
80 «« N. Y. Central and H. R.R., 



Schedule B. 

Stocks and Bonds owned by 



United States bonds, . . . . 

Union Pacific R.R. bonds, . 

Sheldon (Vt.) bonds, . . . • . 

N. Y. and N. E. R.R. bonds, 

Portland, Saco and Portsmouth R'y stock 

Erie Railway bonds, .... 

Atchison, Topeka and Santa Fe R.R. bonds 

Michigan Central R R. bonds, . 

St. Louis and San Francisco R.R. bonds, 

Chicago and Northwestern R.R. bonds, 

Milwaukee and St. Paul R.R. bonds, . 

Chicago and West Michigan R.R. bonds, 

New Mexico and So. Pacific R.R. bonds, 

Buffalo and Erie R.R. bonds, 

Kansas City, St. J. and C. B. R.R. bonds, 

Portland and Ogdensburg R R. bonds, 

Flint and Pere Marquette R.R. bonds, 

Jackson, Lansing and Saginaw R.R. bonds 

Maine Central R.R. bonds, 

Kansas and Missouri R.R. bonds, 

Ohio and Mississippi R.R. bonds, 

Chicago, Burl, and Quincy R R. bonds, 

Vermont and Massachusetts R.R. bonds, 

Richmond (Va.) bonds, 

Berkshire Glass Co. (Portland) stock, 

Lewiston (Me.) bonds, 

Portland (Me.) bonds, 

New Bedford (Mass.) bonds, 



Market value. 

$1,125 00 
610 00 
2,180 00 
3,360 00 
1,020 00 
3,060 00 
1,180 00 

19,800 00 

24,000 00 

500 00 

1,560 00 

12,000 00 
3,000 00 
8,100 00 
8,960 00 



} 



} 



Amount loaned. 

$575 00 
2,500 00 

3,000 00 
785 00 

3,000 00 

16,000 00 

12,000 00 

450 00 

1,100 00 

12,000 00 

3,000 00 
7,000 00 



$190,369 62 $141,510 00 



the Company. 

Par value. 
$200,000 00 
50,000 00 
14,000 00 
50,000 00 
12,500 00 
25,000 00 
40,000 00 
50,000 00 
50,000 00 
25,000 00 
25,000 00 
100,000 00 
35,000 00 
50,000 00 
12,000 00 
33,500 00 
34,000 00 
71,000 00 

9,000 00 
10,000 00 

8,000 00 
70,000 00 
10,000 00 
10,000 00 

7,400 00 
20,000 00 
75,500 00 
25,000 00 



Market value. 
$254,000 00 
58,500 00 
14,000 00 
46,000 00 
14,375 00 
32,000 00 
43,850 00 
50,500 00 
48,000 00 
33,000 00 
31,250 00 
87,000 00 
40,775 00 
60,500 00 
14,100 00 
35,510 00 
37,060 00 
81,050 00 
9,900 00 
9,500 00 
9,280 00 
63,400 00 
11,200 00 
13,300 00 
7,400 00 
23,600 00 
87,740 00 
28,500 00 



132 



LIFE INSURANCE COMPANIES [Dec. 31, 



Wilmington (Del.) bonds, . 
Chicago (111.) bonds, . 
Cook Co. (111.) bonds, 
Biddeford (Me.) bonds, 
Union Co. (Ohio) bonds, . 
Cincinnati (Ohio) bonds, . 
Delaware (Ohio) bonds, . 
Cleveland (Ohio) bonds, . 
District of Columbia bonds, 
Watertown (Mass.) note, . 
Brunswick (Me.) bonds, . 
Dayton (Ohio) bonds, 
Ellsworth (Me.) notes, 
Shelbyville (Ind.) bonds, . 
Minnesota state bonds, 
Fayette Co. (Ohio) bonds, . 
Minneapolis (Minn.) bonds, 
St. Louis (Mo.) bonds, 
First Nat'l Bank, Portland, stock, 
Cumberland Nat'l Bank, Portland, stock, 
Manufacturers' Nat'l Bank, Lewiston, stock 
Lime Rock Nat'l Bank, Rockland, stock, 
First Nat'l Bank, Augusta, stock, 
First Nat'l Bank, Biddeford, stock, 
Sagadahoc Nat'l Bank, Bath, stock, 
First Nat'l Bank, Bangor, stock, 
First Nat'l Bank, Lewiston, stock, 
Rockland Nat'l Bank, Rockland, stock, 
Biddeford Nat'l Bank, Biddeford, stock, 
Casco Nat'l Bank, Portland, stock, . 
Canal Nat'l Bank, Portland, stock, . 
Merchants' Nat'l Bank, Portland stock, 
Traders' Nat'l Bank, Portland, stock, 
Georges Nat'l Bank, Thomaston, stock, 
North Nat'l Bank, Rockland, stock, . 
Ticonic Nat'l Bank, Waterville, stock, 
Northern Nat'l Bank, Hallowell, stock, 
Norway Nat'l Bank, Norway, stock, . 
Yan Wert Nat'l Bank, Van Wert, O., stock, 
Shoe & Leather N'IB'k, Auburn, Me., stock, 
People's Nat'l Bank, Waterville, stock, 
Imp. & Traders' N'l Bank, N.Y. City, stock, 
Yeazie Nat'l Bank, Bangor, Me , stock, 
First Nat'l Bank, Wiscasset, Me., stock, . 
First Nat'l Bank, Auburn, Me., stock, 
Richmond N'l Bank, Richmond, Me., stock, 



Par value. 

$5,000 00 

10,000 00 

19,000 00 

20,000 00 

14,000 00 

3,969 41 

5,000 00 

1,800 00 

50,000 00 

10,000 00 

4,500 00 

2,000 00 

12,000 00 

3,000 00 

25,000 00 

20,000 00 

10,000 00 

20,000 00 

5,800 00 

4,000 00 

5,000 00 

8,750 00 

5,000 00 

3,800 00 

1,000 00 

2,000 00 

10,000 00 

5,000 00 

1,000 00 

15,600 00 

20,000 00 

750 00 

1,700 00 

1,200 00 

10,000 00 

3,500 00 

15,000 00 

1,000 00 

2,000 00 

4,000 00 

3,000 00 

5,000 00 

5,000 00 

900 00 

2,000 00 

700 00 



Market value. 

$5,250 00 

10,670 00 

19,380 00 

20,000 00 

14,000 00 

4,100 92 

5,500 00 

1,860 00 

56,500 00 

10,000 00 

4,500 00 

2,060 00 

12,000 00 

3,000 00 

25,000 00 

20,000 00 

9,500 00 

23,400 00 

9,048 00 

5,600 00 

5,750 00 

9,375 00 

6,500 00 

5,700 00 

1,300 00 

2,600 00 

17,000 00 

8,000 00 

1,350 00 

25,272 00 

33,600 00 

1,180 00 

2,618 00 

960 00 

13,500 00 

5,145 00 

21,450 00 

1,120 00 

2,000 00 

4,640 00 

4,350 00 

13,400 00 

6,500 00 

1,215 00 

3,100 00 

903 00 



$1,499,869 41 $1,705,186 92 



1883. j 



OF OTHER STATES. 



133 



UNITED STATES LIFE INSURANCE COMPANY OF NEW 

YORK. 

[Incorporated Feb., 1850. Commenced business March 4, 1850.] 

Paid-up Capital, $440,000. 

T. H. Brosman, President. C. P. Fraleigh, Secretary. 



Income. 

Total premium income, . 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the com 
pany 

for rents of company's property, 
All other income, * 

Total income, 

Net or ledger assets Dec. 31, 1882, .... 

Total, 



$652,324 31 
194,613 26 

72,750 34 

3,506 03 

724 14 

$923,918 08 
4,957,749 43 



$5,881,667 51 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

for surrendered policies and additions, . 
Cash dividends paid policy-holders, .... 

Total paid policy-holders, ... 
Cash paid for dividends to stockholders, . 

for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employees, , 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, . . . . . 
Profit and loss account, 

Total disbursements, 

Balance, 



$257,066 77 
59,804 71 

$316,871 48 
5,000 00 

$311,871 48 

136 87 

117,318 76 

46,596 87 

$475,923 98 
30,775 76 
93,839 67 
63,757 45 
13,765 68 
44,988 60 
12,527 99 
22,113 51 
14,903 77 
31,106 76 
16,499 29 

$820,202 46 

$5,061,465 05 



134 



LIFE INSUKANCE COMPANIES [Dec. 31, 



Invested in the following; 



Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Bills receivable, 

Agents 1 ledger balances, 

Ledger assets (as per balance), .... 



1,287 84 

2,685,658 13 

773,700 00 

141,309 66 

1,264,329 85 

392 34 

101,726 72 

10,891 71 

19,168 80 



1,061,465 05 



Other Assets. 

Interest due and accrued, 

Market value of real estate over cost, .... 

of stocks and bonds over cost, . 
Uncollected premiums on policies in force, $40,664 36 
Deferred premiums on policies in force, . 76,560 67 



Total, .... 
Deduct loading (20 per cent.), . 
Net am't of uncollected and deferred prem's, 

Total assets per company's books, 



$117,225 03 
23,445 01 



59,392 60 
24,912 16 
16,940 15 



93,780 02 



i,256,489 98 



Items not Admitted. 



Agents 1 balances, 

Bills receivable, . 

Total, . 

Total admitted assets, 



$19,168 80 
10,891 71 



30,060 51 



$5,226,429 47 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries 1 4 per cent.), . $4,727,780 00 

Deduct net value of reinsured risks, .... 35,825 00 

Net reinsurance reserve, . . ... . . $4,691,955 00 

Death losses and matured endowments in 

process of adjustment, .... $31,660 00 

Claims resisted by the company, . . 15,000 00 

Total policy claims, . . . . 46,660 00 

Unpaid dividends of surplus due policy-holders, . 9,254 17 



1883.] OF OTHER STATES. 135 

Premiums paid in advance, $6,887 74 

Rents accrued, etc., 5,779 22 

Liability on lapsed policies, 1,207 00 

Liabilities as to policy-holders, $4,761,743 13 

Surplus as regards policy-holders, 464,686 34 

Gross liabilities, $5,226,429 47 



Premium Note Account. 

Premium notes on hand, Dec. 31, 1882, . $88,710 13 

received during 1883, . 88,174 21 

Total, $176,884 34 

Used in payment of losses and claims, . $3,120 53 
of surrendered policies 

and voided by lapse, . 4,667 01 

Redeemed by maker in cash, . . . 27,787 14 

Total, . 35,574 68 



Balance note assets, Dec. 31, 1883, $141,309 66 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 7,731 $13,946,090 00 

Endowment policies, 1,766 2,679,684 00 

All other policies, ...... 212 541,331 00 

New Policies issued in 1883. 

Whole-life policies, 1,479 4,142,050 00 

Endowment policies, . 330 834,000 00 

All other policies, 53 255,118 00 



Old Policies revived during the Year 

Whole-life policies, 

Endowment policies, 

All other policies, ...... 

Old Policies increased during the Tear. 

Whole-life policies, 

Endowment policies, . . 

All other policies, 

Additions by dividends, . . . 



13 


19,323 00 


3 


2,444 00 


1 


6,000 00 


Year. 

20 


63,490 00 


14 


23,765 00 


18 


57,000 00 


- 


37,864 00 



Total number and amount, . . . 11,640 $22,608,159 00 



136 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies ceased to be in force during the Year. 





Number. 


Amount. 


Terminated by death, 


154 


$283,304 00 


by maturity, .... 


40 


58,967 00 


by expiry, .... 


33 


174,000 00 


by surrender, . . 


482 


480,996 00 


by lapse, .... 


611 


1,393,496 00 


by change and decrease, 


34 


123,317 00 




291 
1,645 


900,500 00 


Total terminated, 


$3,414,580 00 


Policies in force Dec. 31, 


1883. 






Number. 


Amount. 



Whole-life policies, 
Endowment policies, . 
All other policies, 



8,055 $15,632,293 00 

1,708 2,918,884 00 

232 642.402 00 



Totals, 



9,995 $19,193,579 00 



American Telegraph Cable Co. stock, 
Buffalo, N. Y. and Phila. R.R. bonds, 
Canada Southern R.R. bonds, . 
Chesapeake and Ohio R.R. bonds, 
Chicago and Northwestern R.R. stock, 
Chicago, Mil. and St. Paul R.R. bonds, 
Chicago,. St. Paul and Minn. R.R. bonds, 
Chicago, St. P., Minn. & Omaha R R. bonds, 
Cincinnati and Springfield R.R. bonds, 
Columbus, Chic. & Ind. Cent. R.R. bonds, 
Columbus and Hocking Valley R.R. bonds, 
Great Western R.R. bonds, 
Jersey City bonds, .... 
Lake Shore and Michigan So. R.R. stock, 
Louisville, New Albany & Chic. R.R. b'ds 
Metropolitan Trust Co. stock, . 
Missouri Pacific R.R. stock, 
Missouri Pacific R.R. bonds, . . 
Morris and Essex R.R. bonds, . 
N. Y. Central and H. R. R.R. bonds, 
N. Y., Lackawanna & Western R.R. stock, 
St. Louis, Kansas City and No. R.R. bonds, 
St. Paul, Minn, and Man. R.R. stock, 
St. Paul, Minn, and Man. R.R. bonds, 



Schedule A. 

Securities held as Collateral. 

Market value. 

$31,680 00 

2,040 00 

5,880 00 

183,600 00 

11,725 00 

1,245 00 

575 00 

4,320 00 

* 39,200 00 

1,500 00 

4,700 00 

14,700 00 

33,250 00 

49,125 00 

1,000 00 

3,900 00 

123,900 00 

25,990 00 

1,245 00 

77,700 00 

5,643 00 

27,400 00 

150,800 00 

20,500 00 



Amount loaned. 



1883.] 



OF OTHER STATES. 



137 



Third Avenue (N. Y.) R.R stock, 
Union Pacific R.R. stock, . 
United States bonds, . 
Wisconsin Valley R.R. bonds, . 
Western Union Telegraph stock, 



Market value. 

$14,025 00 
2,433 75 
3,250 00 
1,130 00 

117,108 12 



Amount loaned. 



$959,564 87 $773,700 00 



Schedule B. 

Bonds owned by the Company. 



United States bonds, .... 

District of Columbia bonds, 

Jersey City bonds, .... 

So. Norwalk bonds, .'..". 

N. Y., Lackawanna and West. R.R. bonds 

Chicago and Northwestern R.R. bonds, 

Chicago, Mil. and St Paul R.R. bonds, 

Missouri Pacific R.R. bonds, 

Central Iowa R.R. bonds, . 

Hannibal and St. Joseph R.R. bonds, 



Cost value. 
$286,579 05 
131,384 40 
190,298 75 

40,000 00 
108,750 00 

99,099 32 
148,690 93 
100,896 06 
107,443 84 

51,187 50 



Market value. 

$287,500 00 
133,776 00 
179,060 00 

51,600 00 
118,000 00 
102,125 00 
153,375 00 
101,000 00 
103,542 00 

51,292 00 



$1,264,329 85 $1,281,270 00 



VERMONT LIFE INSURANCE COMPANY OF BURLINGTON. 

[Incorporated Oct. 28, 1868. Commenced business Jan. 1, 1869.] 

Paid-up Capital, $100,000. 

Warren Gibbs, President. C. R. Turrill, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for rents of company's property, 

from all other sources, 



Total income, .... 
Net or ledger assets, Dec. 31, 1882, . 



$40,728 03 

12,348 38 

463 96 

104 60 



$53,644 97 
228,741 33 



Total, $282,386 30 



138 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 

Cash paid for losses and additions, .... 
for surrendered policies, .... 

Premium notes or loans used in purchase of surrendered 
policies, and voided by lapse, 

Cash surrender values, including reconverted additions 
applied in payment of premiums, .... 

Cash dividends paid policy-holders, and applied in pay- 
ment of premiums, ....... 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 

for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employees, 

for taxes and fees, ..... 

for rent, . . . . . 

Cash advanced to agents, 

Cash paid for furniture and office fixtures, 

for advertising, 

for incidentals, 

for loss on real estate sold, 

Total disbursements, 

Balance, . 



$16,611 94 

1,323 14 

343 46 

196 74 

2,938 13 



$21,413 41 


6,000 00 


4,071 27 


1,931 70 


867 35 


3,279 00 


526 46 


683 47 


847 00 


315 70 


485 47 


1,427 48 


2,100 00 


$43,948 31 


$238,437 99 



Invested in the following : — • 

Assets as per Ledger Accounts. 

Cost value of real estate, . . . . . 

Loans on mortgage of real estate (first liens), . 
on collateral security (schedule A), 
on company's policies assigned as collateral, . 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Ledger assets (as per balance), . 



$14,750 00 

147,389 00 

12,500 00 

500 00 

3,453 94 

44,451 50 

1,997 84 

13,395 71 



$238,437 99 



Other Assets. 

Interest due and accrued, . ... 
Market value of real estate, over cost, 

of stocks and bonds, over cost, 



3,521 52 

750 00 

2,930 50 



1883.] 



OF OTHER STATES. 



139 



Uncollected premiums on policies in force, $3,171 25 

Deferred premiums on policies in force, . 9,288 88 

Total $12,460 13 

Deduct loading (20 per cent.), . . 2,492 02 

Net ain't uncollected and deferred prem's, 

Furniture and fixtures, 

Total assets per company's books, .... 



$9,968 11 
2,369 70 

$257,977 82 



Items not Admitted. 



Office furniture, etc , . 
Total admitted assets, 



2,369 70 



$255,608 12 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reinsurance reserve, 
Death losses due and unpaid, 
Death losses and matured endowments in 
process of adjustment, . 

Total policy claims, . 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



$500 00 
500 00 



$165,802 00 
1,437 00 



$164,365 00 



1,000 00 

$165,365 00 
90,243 12 



Gross liabilities, $255,608 12 

Exhibit of Policies. 

Policies and Additions in force Bee 31, 1882. 

Number. Amount. 

Whole-life policies, 495 $700,333 00 

Endowment policies, 335 372,716 00 

All other policies, 41 79,500 00 



New Policies issued in 1883. 

Whole-life policies, 

Endowment policies, 

All other policies, 

Endowment policies revived during the year, 
Whole-life policies increased during the year, 
Additions by dividends, .... 

Total number and amount, . 



. 98 


130,065 00 


. 317 


307,599 00 


. 9 


17,000 00 


1 


1,000 00 


. 


1,000 00 


— 


183 00 



1,296 $1,609,396 00 



140 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies ceased to be in force during the Year. 

Number. Amount. 

Terminated by death, 9 $13,000 00 

by surrender, 24 36,994 00 

by lapse, 108 104,000 00 

Not taken, .63 70,000 00 



Total terminated, 



. 204 $223,994 00 



Policies in force Dec. 31, 1883. 

Number. 

Whole-life policies, 517 

Endowment policies, 526 

All other policies, 49 



Totals, 



Amount. 

$740,929 00 

548,973 00 

95,500 00 



1,092 $1,385,402 00 



Schedule A. 

Securities held as Collateral. 



208 shares National Car Co. St. Albans, 



Market value. 

$19,760 00 



Amount loaned. 

$12,500 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. 

$4,760 00 



Burlington city bonds, 
255 shares Merchants' Nat'l Bank, 
170 " Howard Nat'l Bank, . 
122 " Burlington Gas Light Co., 
National Car Co. bonds, 



11,641 50 

17,000 00 

3,050 00 

8,000 00 



Market value. 

$4,982 0( 

12,750 0( 

18,360 0( 

3,050 0( 

8,240 00 



$44,451 50 $47,382 00 



1883.] 



OF OTHER STATES. 



141 



WASHINGTON LIFE INSURANCE COMPANY OF NEW YORK. 

[Incorporated January, 1860. Commenced business Feb 2, I860.] 
Paid-up Capital, $125,000. 

W. A. Brewer, Jr., President. William Haxtun, Vice-President 

and Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds or stocks sold, . 



Total income, 
Net or ledger assets Dec. 31, 1882, 



$1,347,955 29 

311,310 34 

8,296 69 

6,716 31 

10,462 02 

110,212 71 

$1,794,953 36 
6,095,189 87 



Total, . . . ... . . . . . $7,890,143 23 



Disbursements. 
Cash paid for losses and additions, .... 
for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies and additions, . 
Return premiums, ....... 

Cash dividends paid policy-holders, applied in payment 
of premiums, 



Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, . 

for advertising, 

for incidentals, 

Total disbursements, . . . 

Balance, 



$331,677 70 
135,841 49 

$467,519 19 

2,756 98 

273,146 21 

716 49 

228,915 00 

$973,053 87 
8,636 25 
92,036 99 
42,630 13 
12,441 25 
48,595 68 
11,998 80 
8,250 00 
25,356 89 
16,712 82 
62,551 47 



$1,302,264 15 



1,587,879 08 



142 



LIFE INSURANCE COMPANIES [Dec. 31, 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 

on company's policies assigned as collateral, . 
Cost value of stocks and bonds owned (per schedule), 
Cash in company's office, 

deposited in bank, 

Agents' ledger balances, 

Ledger assets (as per balance), . 



$443,996 64 

5,185,115 67 

78,738 16 

709,703 42 

12,291 73 

129,754 58 

28,278 88 

56,587,879 08 



Other Assets. 
Interest due and accrued, . . . 
Market value of real estate, over cost, .... 

of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, $74,564 14 
Deferred premiums on policies in force, . 162,997 12 



Total . . 

Deduct loading (20 per cent.), . 

Net am't uncollected and deferred prem's, 



$237,561 26 
47,512 25 



Total assets per company's books, 

Items not Admitted. 



Agents' balances, 

Total admitted assets, 



$49,507 97 

22,902 81 

156,546 58 



190,049 01 



',006,885 45 

28,278 88 
5,978,606 57 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Death losses due and unpaid, 
Matured endowments due and unpaid, 
Death losses and matured endowments in 

process of adjustment, .... 
Claims resisted by the company, 
Total policy claims, . . 
Unpaid dividends due stockholders, . 
Due for salaries, rent, and office expenses, 
Premiums paid in advance, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, 

Gross liabilities, 



, 


$6,449,794 00 


$7,698 42 




2,698 26 




46,930 55 


, 


14,411 99 






71,739 22 
385 00 


. 


. • 


2,041 68 


. . . 


3,830 77 



5,527,790 67 
450,815 90 

1,978,606 57 



1883.] 



OF OTHER STATES. 



143 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies 0,251 820,594,057 00 

Endowment policies, 4,132 7,868,010 00 

All other policies, 12 20,000 00 

Reversionary additions, - 891,952 00 



New Policies issued in 1883. 



Whole-life policies, 
Endowment policies, . 
All other policies, 



Old Policies revived during the Year. 

Whole-life policies, ....,, 

Endowment policies, 

Additions by dividends, 



584 


1,428,428 00 


1,978 


4,364,686 00 


4 


- 


Year. 




51 


117,000 00 


27 


52,500 00 


- 


426,856 00 



Total number and amount, . 



16,039 $35,763,489 00 



Policies ceased to be in force during the Year 

Number. 

Terminated by death, 158 

by maturity, 



Not taken, 



by surrender, 
by lapse, . 



74 
299 
728 
355 



Total terminated, 



Amount. 

$356,289 00 
138,348 00 
945,753 00 

1,454,602 00 
873,774 00 



1,614 $3,768,766 00 



Policies in force Dec. 31, 1883. 

Number. Amount. 

Whole-life policies, 9,094 f 20,343,465 00 

Endowment policies, 5,315 10,695,293 00 

All other policies, 16 20,000 00 

Reversionary additions, - 935,965 00 



Totals, 



14,425 $31,994,723 00 



Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, . . . . . $145,000 00 $151,250 00 

New York city bonds, .... 408,604 79 518,000 00 

Brooklyn park bonds, .... 50,000 00 71,000 00 

Brooklyn water loan, 106,098 63 126,000 00 



$709,703 42 $866,250 00 



ACCIDENT INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1883. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



UNITED STATES BRANCH OF THE ACCIDENT INSURANCE 

COMPANY OF NORTH AMERICA, MONTREAL, CANADA. 

Alexander T. Galt, President. Edward Rawlings, Manager. 

Income. 

Total premium income, $211,942 87 

Cash received for interest on stocks and bonds, . . 2,351 49 

Total income, $214,294 36 

Disbursements. 

Cash paid for losses, $73,263 77 

Received for losses and claims on policies reinsured, . 89 28 

Net amount paid for losses, $73,174 49 

Cash paid for commissions to agents, .... 70,420 65 

for salaries and travelling expenses of agents, 20,716 06 

for taxes and fees, 4,548 39 

for rent, . . . . . . . . 3,353 90 

for advertising, . 4,411 78 

for incidentals, 10,985 02 

Profit and loss, 10,799 06 

Total disbursements, . . . . . . . $198,409 35 

Invested in the following : — 

Assets as per Ledger Accounts. 

Loans on mortgage of real estate (first liens), . . . $3,243 95 

Market value of stocks and bonds owned (schedule), . 113,000 00 

Cash deposited in bank, 7,334 45 

23,578 40 



148 



ACCIDENT INSURANCE COS. [Dec. 31, 



Other Assets. 
Interest due and accrued, . . . . . 
Uncollected premiums on policies in force, 
Furniture and fixtures, 

Total assets per company's books, 

Items not Admitted. 



Office furniture, etc., . 

Total admitted assets, . 



$800 00 

46,469 35 

1,027 44 

$171,875 19 



1,027 44 



$170,847 75 



Liabilities. 

Premium reserve on account of accident 

risks outstanding Dec. 31, 1883, 
Losses in process of adjustment, 

Liabilities as to policy-holders, . 



$58,642 19 
3,500 00 



Surplus as regards policy-holders, 

Exhibit of Policies. 



Policies in force Dec. 31, 1882, . 
Issued and revived during 1883, 

Totals, 

Terminated during 1883, . 

In force Dec. 31, 1883, 
Reinsured during 1883, 



Massachusetts Business. 



62,142 19 



$108,705 56 



Number. Amount. 

6,631 $8,827,246 00 
16,565 22,840,400 00 



23,196 $31,667,646 00 
9,640 15,375,746 00 



13,556 $16,291,900 00 
401,500 00 



N 



Policies issued during 1883, 
Premiums received, . 
Policies in force Dec. 31, 1883, 
Losses paid during 1883, . 
incurred during 1883, 



$15,890,400 00 



umber. Amount. 

516 $1,029,900 00 

6,452 86 

501 1,002,600 00 

44 3,040 00 

44 3,040 00 



Stocks and Bonds owned by the Company. 

Par value. Market value. 

United States bonds, $100,000 00 $101,500 00 

Montreal harbor bonds, .... 10,00000 11,50000 



$110,000 00 $113,000 00 



1883.] 



ASSETS AND LIABILITIES. 



149 



FIDELITY AND CASUALTY COMPANY, NEW YORK. 

[Incorporated March 29, 1876. Commenced business May 1, 1876.] 

Paid-up Capital, $250,000. 

Wm. M. Richards, President. John M. Crane, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 
United States bonds, .... 



Par value. Market value. 

$245,000 00 1252,012 00 



Securities held as collateral for cash loans : 



Del., Lac. and W. R.R. Co., 

Western Union Tel. Co., . 

Chic, St. P., M. and O. Ry. Co., pf'd, 

Lake Shore and Mich. So. R R. Co., , 

Wabash, St Louis and Pac. Ry. Co., . 

Oregon R and N. Co , 

E. Tenn., Va. & Ga. R. Co.,con. 1st mVg b'ds 

Erie Ry. Co.. 2d con., .... 

Ches. and O. Ry., class B, . 

Chic and North West. R.R. Co. (deb.), 

St. L, I. M and S. R.R. Co., 

Fort Worth and Denver City Ry. Co., 

Continental Fire Ins. Co., . 

Loans otherwise secured, . 



Market value. Loaned thereon. 

$23,400 00 $17,000 00 
29,600 00 "I 
18,800 00 I 

9,800 00 \ 

1,760 00 | 

1,300 00 ) 
61,200 00 

4,600 00 ^ 

4,800 00 j 

9,300 00 [ 

8,760 00 j 

3,450 00 J 

8,750 00 



50,000 00 



50,000 00 



25,000 00 



5,940 00 
1,906 74 



$185,520 00 $149,846 74 



Summary op Assets, Dec. 31, 1883. 

Loans on mort'geof real estate (first liens), $600 00 

Bonds, as per schedule, .... 252,012 00 

Loans on collateral security, as per schedule, 149,846 74 

Cash in the office of the company, . . 20,492 19 

deposited in bank, .... 2,369 71 

Interest due and accrued, .... 208 81 

Premiums in course of collection (gross), 42,023 13 

Salvage property, 2,358 51 

Ledger balances, . . . $877 14 

Gross assets, 



$469,911 09 



150 



ACCIDENT INSURANCE COS. [Dec. 31, 



Liabilities. 

Losses claimed and reported, . . . $2,420 58 

disputed or resisted, . . . 650 00 

Total amount of losses, . . . $3,070 58 

( Fidelity, . . 38,055 02 

Unearned premiums on j Plate-glass, . 27,957 77 

outstanding risks, \ Steam-boiler, . 17,921 04 

{ Accident, . . 69,591 66 

Due and accrued for rent, salaries, etc., . 1,463 93 

Commissions and brokerage, . . . 12,105 57 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, .... 



$170,165 57 

$299,745 52 
250,000 00 

$49,745 52 



Income. 

Cash received for fidelity risks, . 

Deduct reinsurance and return premiums, 

Net cash received for fidelity risks, . 
Cash received for plate-glass risks, . 
Deduct reinsurance and return premiums, 

Net cash received for plate-glass risks, 
Cash received for boiler risks. . 
Deduct reinsurance and return, . 

Net cash received for boiler risks, 
Cash received for accident risks, 
Deduct reinsurance and return premiums, 

Net cash received for accident risks, . 
Cash received for interest, . . . . 

Gross cash income, 



,660 40 
8,529 61 



$54,065 91 
1,855 72 

$35,696 30 
1,110 53 

$213,266 26 
7,264 54 



$78,130 79 
52,210 19 
34,585 77 



206,001 72 
13,633 11 

$384,561 58 



Expenditures. 

Cash paid for fidelity claims, 
Deduct amount recovered, . 

Net cash paid for fidelity claims, 
Cash paid for plate-glass claims, 
Deduct salvage, 

Net cash paid for plate-glass claims, 
Cash paid for steam-boiler claims, . 
Cash paid for accident claims, . 
Deduct reinsurance, .... 

Net cash paid for accident claims, 



,761 93 
5,125 69 



$18,682 63 


f^)"^ 4-x 


913 43 






17,769 20 
1,190 48 


• • • 


$85,098 97 




3,692 38 


«1 /LOR *9 



1883.] 



ASSETS AND LIABILITIES, 



151 



Cash dividends paid stockholders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

for incidentals, 

Profit and loss account, 

Gross cash expenditures, .... 



$20,000 00 

98,467 21 

39,887 80 

7,621 20 

44,366 73 

1,923 15 

$326,268 60 



Risks and Premiums. 

Fidelity risks outstanding Dec. 31, 1882, . $5,802,750 00 
written during 1883, . . 12,300,747 00 



Total, 

Cancelled, expired and reinsured, 

In force at end of year, 



$18,103,497 00 
8,842,948 00 



Plate-glass risks outstanding Dec. 31, 1882, $1,431,121 00 
written during 1883, . 2,073,794 00 



Total, 

Cancelled, expired and reinsured, 

In force at end of year, 

Boiler risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Cancelled, expired and reinsured, 

In force at end of year, 



53,504,915 00 
1,713,205 00 



$7,140,584 00 
3,622,991 00 



Accident risks outstanding Dec. 31, 1882, . $16,840,309 00 
written during 1883, . . 27,523,650 00 



Total 

Cancelled, expired and reinsured, 

In force at end of year, 



. $44,363,959 00 
. 22,844,609 00 



Premiums. 

$48,674 30 
99,280 03 



$147,954 33 
71,844 29 



1,260,549 00 $76,110 04 



$42,532 55 
62,410 44 



$104,942 99 
51,030 74 



$1,791,710 00 $53,912 25 



£3,001,557 00 
4,139,027 00 



29,738 81 
42,085 15 



$71,823 96 
35,981 87 



$3,517,593 00 $35,842 09 



$118,024 63 

274,772 27 

$392,796 90 

253,613 58 



.$21,519,350 00 $139,183 32 



Massachusetts Business. 



Risks written in 1883, 
Premiums received, 
Losses incurred, . 
Losses paid, 



Fidelity. 
$480,900 00 

4,164 00 
2,810 00 
2,810 00 



Accident. 

933,800 00 

10,770 00 

4,330 00 

4,330 00 



152 



ACCIDENT INSURANCE COS. [Dec. 31, 



UNITED STATES BRANCH OF THE GUARANTEE COMPANY 
OF NORTH AMERICA, MONTREAL, CANADA. 



Alex. T. Galt, President 



Edward Rawlings, Manager. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Toronto city bonds, . 



Par value. Market value. 

. $214,000 00 $217,000 00 

10,000 00 11,400 00 



$224,000 00 $228,400 00 



Summary of Assets, Dec. 31, 1883. 

$228,400 00 



Bonds, as per schedule, 

Cash deposited in bank, 

Interest due and accrued, . 

Premiums in course of collection (gross) 

Bills receivable secured, . 

Office furniture, .... $962 19 

Gross assets, .... 
Deduct special deposit in Virginia, . 



Balance, 



Liabilities 



Losses claimed and reported, 

Unearned premiums on outstanding risks 

Commissions and brokerage, 

Gross liabilities, .... 

Surplus as regards policy-holders, 



43,695 95 
1,153 00 

25,024 65 
1,000 00 



$7,161 85 

50,512 65 

2,502 47 



$299,273 60 
14,000 00 

$285,273 60 



60,176 97 



$225,096 63 



Income. 

Cash received for premiums, . . . $119,790 38 
Deduct reinsurance and return premiums, 3,785 48 

Net cash received for premiums, . . — 

Interest and dividends received from all sources, . • 
Income from claims recovered, 



$116,004 90 
6,619 78 
4,438 29 



Gross cash income, $127,062 97 



Expenditures. 



Cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 



$36,386 07 

5,017 50 

12,133 54 



1883.] ASSETS AND LIABILITIES. 153 

Cash paid for salaries of officers and employees, . . $15,511 21 

for State and local taxes, 3,087 15 

for incidentals, 22,436 41 



Gross cash expenditures, $94,571 88 

Risks and Premiums. 

Premiums. 
Risks outstanding Dec. 31, 1882, . . $8,299,725 00 $70,894 21 
written during 1883, . . . 14,968,950 00 131,430 24 



Total, $23,268,675 00 $202,324 45 

Deduct risks expired and terminated, . 11,078,425 00 101,299 15 



In force at end of year, . . .$12,190,250 00 $101,025 30 

Massachusetts Business. 

Risks written during 1883, $830,400 00 

Premiums received during 1883, 7,266 00 

Losses incurred during 1883, 3,266 68 

paid during 1883, 3,266 68 






HARTFORD STEAM BOILER INSPECTION AND INSURANCE 
COMPANY, HARTFORD, CONN. 

[Incorporated June, 1866. Commenced business October, 1866.] 

Paid-up Capital, $250,000. 

J. M. Allen, President. J. B. Pierce, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 
Stocks and bonds owned by the company : — 

Par value. Market value. 

. $117,000 00 $122,000 00 



2,000 00 2,400 00 

10,000 00 10,000 00 

5,000 00 5,600 00 

5,000 00 5,500 00 



State of Connecticut bonds, 

United States bonds, . 

Evansville (Ind.) city bonds, 

Peoria (111.) township bonds, 

Peoria (111 ) county bonds, 

Dayton and Western R.R. bonds, . 15,000 00 16,500 00 

St. Johnsbury & L. Champlain R R. bonds, 15,000 00 16,500 00 

50 shares City Nat'l Bank, Hartford, . 5,000 00 4,500 00 

13 " Hartford Nat'l Bank, Hartford, 1,300 00 2,340 00 

50 " Security Company, . . . 5,000 00 6,250 00 

100 " N. Y., New H., and Hart. R.R , 10,000 00 18,000 00 

100 " Chic. Burl, and Quincy R.R., . 10,000 00 12,000 00 



$200,300 00 $221,590 00 



Urbana (111.) Township bonds due and 
unpaid, $4,000 00 



154 



ACCIDENT INSURANCE COS. [Dec. 31, 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $4,486 14 

Loans on mortg'e of real estate (first liens*) , 163,825 00 

Interest due or accrued thereon, . . 3,924 50 

Stocks, bonds, etc., as per schedule, . . 221,590 00 

Cash in the office of the company, . . 4,281 56 

Cash deposited in bank, .... 29,377 23 

Interest due and accrued, .... 3,336 24 

Premiums in course of collection (net), . 28,568 48 
Premiums more than 3 mos. due, $2,953.55 
Gross assets, . . . . 



$459,389 15 



Liabilities 

Losses adjusted, unpaid, . 

Unearned premiums on outstanding risks 

Due and accrued for rent, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$772 69 

151,709 95 

400 00 



152,882 64 

$306,506 51 
250,000 00 



Surplus over capital, . 



,506 51 



Income. 

Cash received for prem's and inspections, $316,440 79 
Deduct reinsurance arid return premiums, 14,628 77 

Net cash rec'd for prem's and inspections, $301,812 02 

Interest received on bonds and mortgages, . . 10,130 05 

Interest and dividends received from all other sources, . 9,587 46 

Income from special services, 2,865 61 



Received for increased capital (from surplus), $50,000 00 
Gross cash income, 



$324,395 14 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 
Net cash paid for losses, .... 
Cash dividends paid, . . . . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 



$21,856 97 
40 00 



$21,816 97 

22,500 00 

65,185 18 

17,325 00 



* Value of lands mortgaged $501,420 00 

Value of buildings thereon 126,890 00 

Amount of insurance held as collateral, . 22,190 00 



1883.] 



ASSETS AND LIABILITIES. 



155 



Cash paid for State and local taxes, . 

for inspections, 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



Risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



.$23,464,719 00 
. 26,420,046 00 



. $49,884,765 00 
. 24,512,963 00 



Miscellaneous. 
Premiums and inspection fees received from organization 

of company, 

Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Losses incurred during the year, . . . . 
Company's stock owned by directors, 

Massachusetts Business. 
Risks written during 1883, . . . . 

Premiums received, 

Losses paid, 

Losses incurred, 



$4,584 57 
90,156 25 
52,500 06 

$274,068 03 



Fremiums. 

,287 85 
313,104 83 

$593,392 68 
291,084 88 



.$25,371,802 00 $302,307 80 



52,629,813 42 

200,288 48 

239,750 00 

22,500 CO 

20,176 20 

62,200 00 



$4,119,734 00 

40,672 00 

676 00 

314 00 



LLOYDS PLATE-GLASS INSURANCE COMPANY, NEW YORK. 

[Incorporated August, 1882. Commenced business Sept. 4, 1882.] 

Paid-up Capital, $100,000. 

James G. Beemer, President. Wm. T. Woods, Secretary 

Summary of Assets, Dec. 31, 1883. 

United States bonds, $122,700 00 

Cash in the office of the company, . . 1,580 22 

deposited in bank, .... 6,378 55 

Premiums in course of collection (gross), 14,183 42 

Accounts due, 433 82 

Glass on hand, 9,551 10 

Office furniture, .... $700 00 
Premiums more than 3 mos. due, 1 ,021 85 

Gross assets - — - — — $154,827 11 



156 



ACCIDENT INSURANCE COS. [Dec. 31, 



Liabilities 

Losses claimed and reported, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$1,518 25 

45,723 00 

7,194 99 

2,584 89 



Impairment of capital, 

Income. 

Cash received for premiums, . . . $102,967 90 
Deduct reinsurance and return premiums, 7,047 41 

Net cash received for premiums, . 

Interest and dividends received from all sources, 

Gross cash income, 



Expenditures. 

Cash paid for losses, $42,788 39 

Deduct salvage and reinsurance, . . 7,494 30 

Net cash paid for losses, .... — 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

Gross cash expenditures, 

Risks and Premiums. 



Risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$1,127,279 00 

3,322,055 00 

$4,449,334 00 

1,256,376 00 

$3,192,958 00 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Losses incurred during the year, . . 
Company's stock owned by directors, 

Massachusetts Business 

Risks written during 1883, 

Premiums received, 

Losses paid, 

Losses incurred, . 



57,021 13 

$97,805 98 
100,000 00 

$2,194 02 



$95,920 49 
3,262 50 

$99,182 99 



$35,294 09 

18,337 18 

18,176 25 

1,775 82 

$73,583 34 



Premiums. 

|34,609 03 
104,645 47 

$139,254 50 
47,808 50 

$91,446 00 



$140,942 68 
40,108 15 
35,373 10 
61,200 00 



$142,222 22 

4,224 59 

840 27 

1,099 50 



1883.] 



ASSETS AND LIABILITIES. 



157 



METROPOLITAN PLATE-GLASS INSURANCE COMPANY, 

NEW YORK. 

[Incorporated April 22, 1874. Commenced business April 23, 1874.] 

Paid-up Capital, $100,000. 

Henry Harteau, President. John H. Taylor, Secretary- 



Summary of Assets, Dec. 31, 1883. 




United States bonds, .... 


$165,012 50 




Cash in the office of the company, . 


1,031 68 




deposited in bank, 


11,737 44 




Interest due and accrued, . 


556 25 




Premiums in course of collection (gross) 


7,501 42 




Glass on hand, 


5,217 23 




Miscellaneous, 


3,588 46 




Gross assets, .... 

Liabilities 




$194,644 98 




Losses claimed and reported, 


$1,238 09 




Unearned premiums on outstanding risks, 


47,556 80 




Due and accrued for rent, salaries, etc., 


3,489 42 




Commissions and brokerage, 


1,500 28 




Gross liabilities, except capital, . 




53,784 59 




Surplus as regards policy-holders, . 


... 


$140,860 39 


Paid-up capital, 


• • • . 


100,000 00 


Surplus over capital, . 


$40,860 39 


Income. 






Cash received for premiums, 


$99,251 80 




Deduct reinsurance and return premiums 


5,985 62 




Net cash received for premiums, 


_ — _ 


$93,266 18 


Interest and dividends received from all s 


ources, 


6,351 76 



Gross cash income, .... 

Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, .... — 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 



$44,221 40 
10,824 19 



,617 94 



$33,397 21 

10,000 00 

23,025 67 

20,423 32 

620 80 



Gross cash expenditures, 



$87,467 00 



158 



ACCIDENT INSURANCE COS. [Dec. 31, 



Risks and Premiums. 



Risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 



. $2,886,649 00 

. 3,265,946 00 

. $6,152,595 00 

. 3,057,217 00 



Premiums. 

$87,079 55 
100,470 23 



$187,549 78 
92,436 18 



,095,378 00 $95,113 60 



Miscellaneous. 

Premiums received from organization of company, . $600,983 00 

Losses paid from organization of company, ..''-. . 185,042 00 

Cash dividends declared from organization of company, . 77,000 00 

Dividends declared during the year (10 per cent.), . . 10,000 00 

Losses incurred during the year, 44,366 29 

Company's stock owned by directors 47,500 00 

Massachusetts Business. 

Risks written during 1883, $321,769 03 

Premiums received (gross), 9,327 44 

Losses paid, 6,463 79 

Losses incurred, . 6,463 79 



MUTUAL BOILER INSURANCE COMPANY, BOSTON. 

[Incorporated April 13, 1877. Commenced business June 1, 1877.] 

A. P. Rockwell, President. Herbert Coolidge, Secretary. 

Office, 70 Water Street. 

Summary of Assets, Dec. 31, 1883. 
Cash in the office of the company, 

deposited in bank, 
Premiums in course of collection (gross) 

Miscellaneous, 

Prem. note liable to assessment, $32,399.95 

Gross assets, . . , . . . $4,346 88 

Liabilities 

Unearned premiums on outstanding risks, . $3,240 00 

Due and accrued for rent, salaries, etc., . 91 67 

Gross liabilities, 3,331 67 



$108 


62 


3,718 


01 


229 


00 


291 


25 



Surplus, 



$1,015 21 



1883.] 



ASSETS AND LIABILITIES. 



159 



Income. 

Cash received for premiums, 

Deduct return premiums, .... 

Net cash received for premiums, 
Interest and dividends received from all sources, 
Income from inspections, .... 
Deposit notes received during the year, . 

Gross cash income, .... 



$6,660 49 




33 75 






$6,626 74 

75 18 


ses, 


. . 


108 15 


$31,254 95 





1,810 07 



Expenditures. 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rent, 

for incidentals, 

for inspections, 

Gross cash expenditures, . 



$121 


15 


1,241 


96 


65 


24 


755 


62 


100 


00 


156 


62 


2,631 


55 



$5,072 14 



Risks and Premiums. 



Risks outstanding Dec. 31, 1882, 
written during 1883, 



. $688,700 00 
792,000 00 



Premiums. 



Total, $1,480,700 00 

Deduct risks expired and terminated, . 711,200 00 



In force at end of year, . . . $769,500 00 
Deposit notes received on outstanding risks, . 



$31,254 95 



Massachusetts Business. 



Risks written during 1883, . 
Premiums received (cash), 
Premium notes received, . 



$561,000 00 

4,732 35 

23,661 75 



160 



ACCIDENT INSURANCE COS. [Dec. 31, 



TRAVELERS' INSURANCE COMPANY (ACCIDENT DEPART- 
MENT) OF HARTFORD, CONN. 

[Incorporated June 17, 1863. Commenced business April 1, 1864.] 

Paid-up Capital, $600,000. 

James G. Batterson, President. Rodney Dennis, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 



Total income, .... 
Net or ledger assets, Dec. 31, 1882, . 



^2,064,589 03 

91,417 74 

18,224 79 

502 80 

1,023 25 

12,175,757 01 
1,869,331 32 



Total, . 14,045,088 93 



Disbursements. 

Cash paid for losses, . . . . 

for dividends to stockholders, . 

for commissions to agents, . 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, . . . \ . . 

Total disbursements, 



Balance, 



$864,255 21 

96,000 00 

509,804 80 

121,699 13 

20,934 52 

85,864 54 

27,492 68 

24,836 90 

929 02 

38,907 73 

65,270 76 

$1,855,995 29 

$2,189,093 64 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, 



$96,833 08 

33,900 00 

194,661 57 

1,627,992 56 

1,608 87 



1883.] ASSETS AND LIABILITIES. 161 

Cash deposited in bank, $211,300 30 

Bills receivable, 19,800 00 

Agents 1 ledger balances, . 2,997 26 



Ledger assets (as per balance), $2,189,093 64 

Deduct depreciation from cost of assets, .... 16,992 96 



Total net or ledger assets, .... 

Other Assets. 

Interest accrued, 

Market value of stocks and bonds, over cost, . 

Total assets per company's books, 

Items not Admitted. 

Agents' balances, 

Bills receivable, 

Total, 

Total admitted assets, 

Liabilities. 
Premium reserve on acconnt of accident risks outstand- 
ing Dec. 31, 1883, 701,50194 

Losses in process of adjustment, . . $226,650 00 
Claims resisted by the company, . . 33,500 00 

Total policy claims, . . . . 260,150 00 

Due for salaries, rent, and office expenses, . . . 10,000 00 



• 


$2,172,100 68 


. 


$536 40 


• 


38,152 44 


• 


$2,210,789 52 


$2,997 26 




19,800 00 







22,797 26 


. , 


$2,187,992 26 



Liabilities as to policy-holders, ..... $971,651 94 
Surplus as regards policy-holders, . ... . . . 1,216,340 32 



Gross liabilities, $2,187,992 26 

Exhibit of Policies. 

Number. Amount. 

Accident policies in force Dec. 31, 1882, . . 70,926 $173,191,141 00 
New policies issued in 1883, .... 116,139 249,947,858 00 



Totals, 187,065 $423,138,999 00 

Policies ceased to be in force during the Year. 

Number. Amount. 

Terminated by death, ..... 233 $469,025 00 

by expiry, 108,538 229,746,231 00 



Total terminated, 108,771 $230,215,256 00 

Policies in force Dec. 31, 1883, .... 78,294 192,923,743 00 



162 



ACCIDENT INSURANCE COS. [Dec. 31 



Schedule A. 

Securities held as Collateral. 



N. Y., New Haven and Hartford R.R. stock, 
Texas and New Orleans R.R. bonds, 
Naugatuck R.R. stock, 
National Fire Ins. Co. stock, Hartford, 
National Fire Ins. Co. stock, Hartford, 
So New England Telephone Co. stock, 
Meriden Britannia Co. stock, 
The Willimantic Linen Co. stock, 



Market value. Loaned thereon. 



$3,982 00 
75,000 00 
54,000 00 
30,250 00 
30,250 00 
45,000 00 
95,188 00 
11,280 00 



} 



$1,000 00 
60,000 00 

50,000 00 

15,000 00 
25,000 00 

43,661 57 



$344,950 00 $194,661 57 



Schedule B. 
Stocks and Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, $257,368 00 $266,500 00 

Connecticut state bonds . . . . 17,754 66 17,450 00 

Tennessee state bonds, . . . . 26,677 50 12,000 00 

Virginia state bonds, 15,109 50 10,836 00 

Johnson county (111 ) bonds, . . . 23,385 61 22,540 00 

Wayne county (111.) bonds, . . . 6,925 82 6,790 00 

White county (111.) bonds, . . . 8,060 44 8,330 00 

Otter Tail county (Minn.) bonds, . . 45,500 00 45,500 00 

School Dist. No. 84, Cass Co. (Dak.) bonds, 1,500 00 1,500 00 

Bloomfield (Conn ) town bonds, . . 3 ),000 00 30,000 00 

Howard township (Kan.) bonds, . ". 20,441 43 20,400 00 

Paw Paw township (Kan.) bonds, . . 6,813 50 6,800 00 

Elizabeth (N. J.) city bonds, . . . 9,593 33 4,200 00 

Lima (Ohio) city bonds 15,980 00 16,000 00 

Chicago (111.) city bonds, water loan, . 29,950 00 34,800 00 

Indianapolis and Cincinnati R.R. bonds, . 13,160 00 14,560 00 

Chicago and Northwestern R.R. bonds, . 10,312 50 10,600 00 

Dubuque and Sioux City R R. bonds, .' 10,400 00 11,500 00 

Chicago, Burl, and Quincy R.R. bonds, . 3,000 00 5,280 00 

Columbus and Western R.R. bonds, . . 53,000 DO 53,000 00 

550 shares N. Y., N. H. and Hartford R.R., 88,936 25 99,550 00 

3244 " Pennsylvania R.R., . . . 197,669 38 188,152 00 

200 " Union Pacific R.R. it . . . 23,462 50 14,200 00 

1000 " Chic, Burl, and Quincy R.R., . 112,927 25 120,000 00 

300 " Chic, Mil. and St. Paul R R , . 28,342 25 30,000 00 

400 " Illinois Central R.R., . . 51,156 25 52,800 00 

200 " Chic & N. Western R.R. pref., 23,268 75 28,600 00 

210 " Chic. & Alton R.R. common, . 22,318 75 27,720 00 

68 " Illinois Central R.R., . . 5,440 00 5,508 00 

181 " Far. and Mech. N. B'k, H'tPd, 22,822 88 22,625 00 



1883.] 



ASSETS AND LIABILITIES. 



163 



Coet value. Market value. 

250 shares American Nat'l B'k, Hartford, $13,782 50 $18,750 00 

448 " City Nat'l Bank, Hartford, . 41,049 75 39,424 00 

369 " Phoenix Nat'l B'k, Hartford, . 53,787 50 64,575 00 

213 " .Etna Nat'l Bank, Hartford, . 26,451 87 27,051 00 

100 " Mercantile N. Bank, Hartford, 9,982 00 12,500 00 

350 " Hartford Nat'l B'k, Hartford, . 56,415 13 63,000 00 

350 " Nat'l Exchange B'k, Hartford, 23,137 01 26,250 00 

100 " New Britain Nat'l Bank, N.B., 11,500 00 15,000 00 

375 " First N'l B'k, Wallingford,Ct. 37,500 00 37,500 00 

100 " Nassau Bank, New York, . 6,000 00 6,500 00 

100 " Nat'l Bank of Commerce, N.Y. 13,975 00 15,000 00 

100 " St Paul N'l B'k, St. Paul, Minn. 10,000 00 10,000 00 

100 " First Nat'l B'k, Morris, Minn., 10,000 00 10,000 00 

' 318 " Hartford Trust Co., Hartford, 29,627 75 32,754 00 

200 " Western Union Telegraph Co. 18,000 00 14,800 00 

Pullman Palace Car Co. bonds, . . . 10,507 50 10,300 00 

Grand River (Col.) Ditch Co. bonds, . 25,000 00 25,000 00 

N. Poudre Land, Canal and Res. Co. bonds, 50,000 00 50,000 00 



$1,627,992 56 $1,666,145 00 



FRATERNAL AID AND OTHER MUTUAL 
. BENEFIT ASSOCIATIONS. 



SUMMARY OF STATEMENTS RECEIVED. 



SUMMAKY OF STATEMENTS EECEIVED. 



MASONIC BENEFICIARY ASSOCIATIONS. 



BOSTON MASONIC MUTUAL BENEFIT ASSOCIATION, 

BOSTON. 

[Incorporated Jan. 29, 1879. Commenced business Feb. 3, 1879.] 

Solomon A. Bolster, President. Charles H. Baldwin, Secretary. 
Office, Boom 30, Masonic Temple. 

Income during 1883. 

For membership fees, . . $55 00 

assessments, . . . . . . . . 339 30 

Total income, . . . . $394 30 

Balance on hand Dec. 31, 1882, 460 84 

Total, . „ $855 14 

Disbursements during 1883. 
Cash paid for losses and claims (1 death), $244 00 
for salaries of officers and em- 
ployees, .... 100 00 
for advertising, rent, stationery, 

etc., ..... 114 55 

Total disbursements, .... 458 55 

Balance, $396 59 

Assets Dec. 31, 1883. 
Cash deposited in bank, $396 59 

Losses and Claims paid during the Year. 

Whole number of deaths, . 1 

Whole amount paid the beneficiaries, .... $244 00 

Exhibit of Membership. 

Total present membership, 245 

Whole number of certificates in force, .... 245 

Gross amount of benefits represented therein, . . . $60,025 00 
All in Massachusetts. 



168 MUTUAL AID AND OTHER [Dec. 31, 



CONNECTICUT VALLEY MASONIC RELIEF ASSOCIATION, 

GREENFIELD. 

[Incorporated Aug. 17, 1875. Commenced business Aug. 17, 1875.] 

E. A. Hall, President. F. G. Tilton, Secretary. 

Income during 1883. 

For membership fees, $42 00 

assessments, 1,021 90 

interest, 38 18 

From all other sources, 28 20 

Total income $1,130 28 

Balance on hand Dec. 31, 1882, 985 24 

Total, . $2,115 52 

Disbursements during 1883. 

Cash paid for losses and claims (3 deaths), $941 00 
for salaries of officers and em- 
ployees, 85 75 

for printing and postage, . 27 60 
Total disbursements, .... 1,054 35 

Balance, $1,061 17 

Assets Dec. 31, 1883. 

Cash in office, $77 37 

deposited in bank, .... 983 80 
Total amount of cash items, . . $1,061 17 

Losses and Claims paid during the Year. 

Whole number of deaths, 3 

Whole amount paid the beneficiaries, .... $941 00 

Exhibit of Membership. 

Total present membership, 315 

Whole number of certificates in force, .... 315 

Gross amount of benefits represented therein, . . . $99,225 00 
All in Massachusetts. 



1883.] BENEFICIARY ASSOCIATIONS. 169 



EASTERN MASSACHUSETTS MASONIC MUTUAL RELIEF 
ASSOCIATION, BOSTON. 

[Incorporated Dec. 31, 1878. Commenced business March 3, 1873.] 

Edward H. Brainard, President. Manning C. Davy, Secretary. 

Office, 12 Summer Street. 

Income during 1883. 

For membership fees, $543 00 

assessments, 43,592 00 

interest, 384 49 

Total income, $44,519 49 

Balance on hand Dec. 31, 1882, 12,171 26 

Total $56,690 75 

Disbursements during 1883. 

Cash paid for losses and claims (25 deaths) , $42,095 00 
for salaries of officers and em- 
ployees, 1,000 00 

for rent and all other items, . 604 47 

Total disbursements, .... 43,699 47 

Balance, $12,991 28 

Assets Dec. 31, 1883. 

Cash in principal office, .... $4,425 59 
deposited in savings banks, . . 3,478 80 

Bonds, 5,086 89 

Total amount of cash items, . . $12,991 28 

Liabilities Dec. 31, 1883. 

Losses and claims (2 deaths) not yet 

assessed, $3,339 00 

Payments made in advance, . . . 1,802 00 
Salary of clerk, rent, etc., .... 463 47 

Total, $5,604 47 

Losses and Claims paid during the Year. 

Whole number of deaths, 25 

Whole amount paid the beneficiaries, .... $42,095 00 

Number of deaths in Massachusetts, .... 23 

Amount paid the beneficiaries, $38,765 00 



170 MUTUAL AID AND OTHER [Dec. 31, 



Exhibit of Membership. 

Total present membership, . . . . . . $1,671 

Whole number of certificates in force 1,671 

Gross amount of benefits represented therein, . . $2,792,241 00 

Total present membership in Massachusetts, . . . 1,467 

Number of certificates in force, 1,467 

Gross amount of benefits represented therein, . . . $2,152,089 00 



ESSEX COUNTY MASONIC MUTUAL RELIEF ASSOCIATION, 

SALEM. 

[Incorporated April 13, 1882. Commenced business March 14, 1875.] 

Thomas J. Hutchinson, President. Wm. H. Kendall, Secretary. 

Income during 1883 



For membership fees, .... 
assessments, . . . 
interest, 


1883. 

$2,078 

136 
57 


00 

85 
50 


$78 00 

2,179 80 

28 78 


Balance on hand Dec. 31, 1882, 


$2,286 58 
758 08 


Total, 

Disbursements during 

Cash paid for losses and claims (3 deaths,) 
for salaries of officers and em- 
ployees, 

for rent, printing, stationery, etc., 
Total disbursements, . . . . 


$3,044 66 
2,272 35 








$772 31 



Assets Dec. 31, 1883. 

Cash in principal office, . . . . $30 58 
deposited in bank, .... 741 73 
Total amount of cash items, . . $772 31 

Losses and Claims paid during the Year. 

Whole number of deaths, 3 

Whole amount paid the beneficiaries, .... $2,078 00 

Number of deaths in Massachusetts, .... 3 

Amount paid the beneficiaries, $2,078 00 



1883.] BENEFICIARY ASSOCIATIONS. 171 

Exhibit op Membership. 

Total present membership, ...... 358 

Whole number of certificates in force, .... 358 

Gross amount of benefits represented therein, ; . $128,164 00 
All in Massachusetts. 



LAWRENCE MASONIC MUTUAL RELIEF ASSOCIATION, 

LAWRENCE. 

[Commenced business July 24, 1874.] 

N. P. H. Melvin, President. A. E. Mack, Secretary. 

Income during the Year. 

For membership, fees and interest, $49 72 

Balance on hand Dec. 31, 1882, 635 19 

Total, . $684 91 

Expended during the year, 2 90 

$682 01 

Membership, 172 

Amount of benefits represented therein, .... $29,584 00 
Business confined to Massachusetts. 



MASONIC MUTUAL RELIEF ASSOCIATION OF CENTRAL 
MASSACHUSETTS, WORCESTER. 

[Incorporated March 8, 1876. Commenced business March, 1873.] 

Josiah Pickett, President. Geo. E. Botden, Secretary. 

Income during 1883. 

For membership fees, .' $691 00 

assessments, 46,433 00 

interest, . 403 72 

Total income, $47,527 72 

Balance on hand Dec. 31, 1882, 12,311 21 

Total, $59,838 93 

# 



172 MUTUAL AID AND OTHER [Dec. 31 ; 



Disbursements during 1883. 

Cash paid for losses and claims (18 deaths), $36,000 00 
for salaries of officers and em- 
ployees, ..... 966 67 
for advertising, printing, etc., . 415 34 
Total disbursements, . . . . $37,382 01 



Balance, . . $22,456 92 



Assets Dec. 31, 1883. 

Cash in office, ... . . . . $334 19 

deposited in savings banks, . . 22,122 73 

Total amount of cash items, . . — __ $22,456 92 

Claims not yet assessed, . .$5,117 00 



Liabilities Dec. 31, 1883. 

Losses due and unpaid (1 death), $2,000 00 

Losses not yet assessed (2 deaths), 4,000 00 



Total, . . $6,000 00 



Losses and Claims paid during the Year. 

Whole number of deaths, 18 

Whole amount paid the beneficiaries, .... $36,000 00 

Number of deaths in Massachusetts, .... 18 

Amount paid the beneficiaries, $36,000 00 



Exhibit of Membership. 

Total present membership, 2,570 

Whole number of certificates in force, .... 2,570 

Gross amount of benefits represented therein, . . . $5,140,000 00 
All in Massachusetts. 



1883.] BENEFICIARY ASSOCIATIONS. 173 



MASONIC MUTUAL RELIEF ASSOCIATION OF WESTERN 
MASSACHUSETTS, SPRINGFIELD. 

[Incorporated Nov. 8, 1875. Commenced business August, 1870.] 

George W. Rat, President. Lucius E. Ladd, Cashier. 

Income during 1883. 

For membership fees, . ....... $724 00 

assessments, 94,326 00 

assessments paid in advance, 172 00 

interest, 1,115 30 

From members reinstated, 255 00 

Total income, $96,592 30 

Balance on hand Dec. 31, 1882, ...... 38,516 37 



Total, $135,108 67 

Disbursements during 1883. 
Cash paid for losses and claims (36 deaths), $90,000 00 
for salaries of officers and em- 
ployees, 1,625 00 

for rent, . . . . . 500 00 

for printing, .... 239 20 

for postal cards and stamps, . 395 50 

for stationery, janitor, gas, etc., 456 95 

Total disbursements, .... - — 93,216 65 

Balance, $41,892 02 

Assets Dec. 31, 1883. 

Cash in office, $1,268 97 

deposited in banks, .... 41,892 02 
Total amount of cash items, . . 43,160 99 

Balance (excess unaccounted for) , .... $1,26897 

Losses and claims not yet assessed (7 deaths),. . . $18,508 00 

Liabilities Dec. 31, 1883. 
Losses and claims in process of adjustment (7 deaths), . $17,500 00 
All other claims, 125 00 

Total, $17,625 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 36 

Whole amount paid the beneficiaries, $90,000 00 



174 MUTUAL AID AND OTHER [Dec. 31, 

Exhibit of Membership. 

Total present membership, 2,644 

Whole number of certificates in force, . . . . 2,644 

Gross amount of benefits represented therein, . . . $6,610,000 00 
All in Massachusetts. 



RIGHT ARM MASONIC MUTUAL RELIEF ASSOCIATION, 
WEST HARWICH, MASS. 

[Incorporated Jan. 24, 1881. Commenced business Jan. 4, 1882.] 

Abiathar Doane, President. Samuel S. Baker, Secretary. 

Income during 1883. 

For membership fees, . . . . . . . $53 00 

assessments, . . 1,521 50 

interest, . 54 47 

From all other sources, 3 50 

Total income, . $1,632 47 

Balance on hand Dec. 31, 1882, 1,320 55 

Total, . $2,953 

Disbursements during 1883. 

Cash paid for losses and claims (4 deaths), $1,399 00 
for salaries of officers and em- 
ployees, 86 99 

for printing, postage, etc., . 60 70 

Total disbursement, . . . . — 1,546 69 



Balance, $1,406 33 

Assets Dec. 31, 1883. 

Cash in principal office, . . . . $1 68 

deposited in bank, .... 328 40 

United States bonds, 1,976 25 

Total amount of cash items, . . $1,406 33 

Losses and Claims paid during the Year. 

Whole number of deaths, 4 

Whole amount paid the beneficiaries, .... $1,399 00 

Exhibit of Membership. 

Total present membership, 351 

Whole number of certificates in force, .... 351 

Gross amount of benefits represented therein, . . . $123,20100 
All in Massachusetts. 



1883.] 



BENEFICIARY ASSOCIATIONS. 



175 



SOUTHERN MASSACHUSETTS MASONIC MUTUAL RELIEF 
ASSOCIATION, TAUNTON. 

[Incorporated Dec. 4, 1882. Commenced business Sept. 11, 1873.] 

Edward Mott, President. Geo. F. Pratt, Secretary. 

Income during 1883. 
For membership fees, 



assessments, 
interest, 
From all other sources, 

Total income, 
Balance on hand Dec. 31, 1882, 

Total, .... 

Disbursements during 1883. 
Cash paid for losses and claims (14 deaths), $15,075 00 



for salaries of officers and em- 
ployees, 

for printing, stationery, etc., 
Total disbursements, . 



925 00 
194 73 



Balance, 



Assets Dec. 31, 1883. 

Cash deposits in savings banks, 

Due from members for claims not yet 

assessed, $1,193 50 

Mortuary assessments not yet due, . . 1,714 90 



$2,908 40 



Liabilities Dec. 31, 1883. 
For losses and claims (1 death), . . $1,085 00 

Assessments paid in advance, ... 49 50 
Total, . . . . ' . . . 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 
Number of deaths in Massachusetts, .... 
Amount paid the beneficiaries, 



Exhibit of Membership. 
Total present membership, 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Number of certificates in force, 
Gross amount of benefits represented therein, . 



$281 00 

15,017 20 

210 38 

7 60 

$15,516 18 
7,294 65 

$22,810 83 



16,194 73 
$6,616 10 



!,616 10 



.,134 50 



14 

$15,075 00 

14 

$15,075 00 



1,085 
1,085 

$1,177,225 00 
1,058 
1,058 

$1,119,364 00 



176 



MUTUAL AID AND OTHER [Dec. 31, 



SUFFOLK MASONIC MUTUAL RELIEF ASSOCIATION, BOSTON. 

[Incorporated May 4, 1882. Commenced business Oct. 19, 1877.] 

Richard Beeching, President. Geo. F. Hosea, Secretary. 

Office, Masonic Hall, East Boston. 



Income during 1883. 



For membership fees, 
assessments, 
interest, 



Total income, 
Balance on hand Dec. 31, 1882, . 



Total, 



$149 00 


624 


92 


16 


75 


$790 67 


419 


36 



1,210 03 



Disbursements during 1883. 



Cash paid for losses and claims (2 deaths), 


$393 00 




for salaries of officers and em- 






ployees, 


40 00 




for all other items, . 


100 84 




Total disbursements, .... 




533 84 





Balance, 



$676 19 



Assets Dec. 31, 1883. 



Cash in principal office, 
United States bonds, . 
Cash deposited in bank, 
Total cash items, 



$17 57 
400 00 

258 62 



$676 19 



Losses and Claims paid during the Year. 



Whole number of deaths, 

Whole amount paid the beneficiaries, 

Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



2 
$393 00 


249 
249 

$62,000 00 
243 
243 

$59,049 00 



1883.] BENEFICIARY ASSOCIATIONS. 177 



UNION MASONIC MUTUAL RELIEF ASSOCIATION, NEWTON- 

VILLE. 

[Incorporated Feb. 1, 1879. Commenced business May, 1873.] 

Luther E. Leland, President. Joseph W. Grigg, Clerk. 

Income during 1883. 

For membership fees, $105 00 

assessments, 8,482 10 

interest, 162 68 

From all other sources, 50 00 



Total income, $8,799 78 

Balance on hand Dec. 31, 1882, 3,878 00 

Total, $12,677 78 

Disbursements during 1883. 
Cash paid for losses and claims (14 deaths), $8,452 00 
for salaries of officers and em- 
ployees, . . . • . . 420 00 
for all other items, . . . 247 15 
Total disbursements, . . . 9,119 15 

Balance, $3,558 63 

Assets Dec. 31, 1883. 

Cash deposited in banks, $3,558 63 

Assessments due and unpaid, . . . $33 00 

not yet due, .... 1,138 50 

Liabilities Dec. 31, 1883. 
Losses and claims unassessed (2 deaths), $1,035 00 

All other debts, 31 16 

Total liabilities, — $1,066 16 

Losses and Claims paid during the Year. 

Whole number of deaths, 14 

Whole amount paid the beneficiaries, .... $8,452 00 

Exhibit of Membership. 

Total present membership, 735 

Whole number of certificates in force, . . . . 1,058 

Gross amount of benefits represented therein, . . $611,373 00 

All in Massachusetts. 



178 MUTUAL AID AND OTHER [Dec. 31, 



ODD FELLOWS' BENEFICIARY ASSOCIATIONS, 



COLUMBIAN MUTUAL BENEFIT ASSOCIATION, STONEHAM. 

[Incorporated Sept. 15, 1881. Commenced business Sept. 24, 1881.] 

Eliphalet Cloutman, President. Geo. L. W. Dike, Secretary. 

Income during 1883. 

For membership fees, $12 00 

assessments, 198 00 

interest and fines, 15 22 

Total income, . . $225 22 

Balance on hand Dec. 31, 1882, 373 26 

Total, $598 48 

Disbursements during 1883. 

Cash paid for losses and claims (1 death), $200 00 
for printing and postage, . 4 47 
Total disbursements, .... 204 47 

Balance, $394 01 

Assets Dec. 31, 1883. 

Cash in office, $1 53 

deposited in bank, .... 392 48 
Total cash items, $394 01 

Losses and Claims paid during the Year. 

Whole number of deaths, 1 

Whole amount paid the beneficiaries, .... $200 00 

Exhibit of Membership. 

Total present membership, 100 

Whole number of certificates in force, .... 100 

Gross amount of benefits represented therein, . . . $20,000 00 
All in Massachusetts. 



1883.] BENEFICIARY ASSOCIATIONS. 179 



DAUGHTERS OF REBEKAH MUTUAL BENEFIT ASSOCIATION, 

IPSWICH. 

[Incorporated May 18, 1882. Commenced business June 23, 1875.] 

Tristram B. Fall, President. Sarah A. Rogers, Secretary. 

Income during 1883. 

For membership fees, $9 50 

assessments, 79 80 

interest, .... .... 3 07 

Total income, $92 37 

Disbursements during 1883. 

Cash paid for losses and claims (1 death), $57 00 
for salaries of officers and em- 
ployees, ..... 4 45 
for stationery, postage, etc., . 13 73 
Total disbursements 75 18 

Balance, ......... $17 19 

Assets Dec. 31, 1883. 
Cash deposited in bank, 103 47 

Balance (excess) unaccounted for, .... $86 28 

Losses and Claims paid during the Year. 

Whole number of deaths, , 1 

Whole amount paid the beneficiaries, .... $57 00 

Exhibit of Membership. 

Total present membership, 128 

Whole number of certificates in force, .... 128 

Gross amount of benefits represented therein, . . . $8,192 00 
All in Massachusetts. 



180 



MUTUAL AID AND OTHER [Dec. 31, 



LYNN ODD FELLOWS' MUTUAL BENEFIT ASSOCIATION, 

LYNN. 

[Incorporated April 19, 1881. Commenced business Sept. 10, 1869.] 

John S. Mansfield, President. Warren H. Usher, Secretary. 

Income during 1883. 

For membership fees, . . . , ... $36 00 

assessments, 5,291 12 

Total income, ' . $5,327 12 

Balance on hand Dec. 31, 1882, 117 28 

Total, $5,444 40 

Disbursements during 1883. 

Cash paid for losses and claims (6 deaths), $4,972 00 
for salaries of officers and other 

employees, .... 168 41 

for advertising and printing, . 86 50 

Total disbursements, . . ... 5,226 91 

Balance, $217 49 

Assets Dec. 31, 1883. 
Cash deposited in bank, $217 49 

Losses and Claims paid during the Year. 

Whole number of deaths, 6 

Whole amount paid the beneficiaries, .... $4,972 00 

Exhibit of Membership. 

Total present membership, 407 

Whole number of certificates in force, .... 407 

Gross amount of benefits represented therein, . . . $339,438 00 
All in Massachusetts. 



1883.] BENEFICIARY ASSOCIATIONS. 181 



NEW ENGLAND PROVIDENT ASSOCIATION, I. 0. O. F., EAST 

CAMBRIDGE. 

[Incorporated April 16, 1878. Commenced business April 16, 1878.] 

G. H. Loomis, President. Walter Winward, Secretary. 



Income during 1883. 

For membership fees, $14 00 

assessments, . . . . . . . . 363 70 

interest, . 36 06 

Total income, , $413 76 

Balance on hand Dec. 31, 1882, ...... 387 52 

Total, $801 28 



Disbursements during 1883. 

Cash paid for losses and claims (2 deaths), $306 00 
for salaries of officers and em- 
ployees, . . . . . 25 00 
for printing, postage, etc., . 15 95 
Total disbursements, . — — — — 346 95 

Balance, .......... $454 33 



Assets Dec. 31, 1883. 

Cash in office, $51 32 

deposited in bank, .... 403 01 
Total cash items, . . . . -— => _ $454 33 

Losses and Claims paid during the Year. 

Whole number of deaths, 2 

Whole amount paid the beneficiaries, .... $ 306 00 

Exhibit of Membership. 

Total present membership, 150 

Whole number of certificates in force, .... 150 

Gross amount of benefits represented therein, . . . $22,500 00 
All in Massachusetts. 



182 MUTUAL AID AND OTHER [Dec. 31, 



ODD FFLLOWS 1 BENEFICIAL ASSOCIATION OF THE STATE 
OF MASSACHUSETTS, BOSTON. 

[Incorporated Feb. 25, 1881. Commenced business March 20, 1874.] 

Horace W. Stickney, President. J. G. Bartholmesz, Secretary. 

Office, 515 Tremont Street. 

Income during 1883. 

For membership fees, . . . . . . . $96 00 

assessments, 15,162 70 

fines, 98 20 

interest, .... .... 160 78 

Total income, . . $15,517 68 

Balance on hand Dec. 31, 1882, . . . . . . 4,110 19 

/ — — — — — • mm 

Total, . $19,627 87 

Disbursements during 1883. 
Cash paid for losses and claims (15 deaths), $14,613 00 
for assessments returned, . . 9 00 
for salaries of officers and em- 
ployees, 600 00 

for rent, 50 00 

for printing, postage, etc., . . 383 07 

Total disbursements, . . . . - — — - 15,655 07 

Balance, ' . . $3,972 80 

Assets Dec. 31, 1883. 
Cash deposited in bank, $3,972 80 

Liabilities Dec. 31, 1883. 
Losses and claims unassessed (3 deaths), . $3,000 00 

Advance assessments, .... 818 00 

All other debts, 25 00 

Total liabilities* _ $3,843 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 15 

Whole amount paid the beneficiaries, . . . . $14,613 00 

Exhibit of Membership. 

Total present membership, ... . 1,153 

W'hole number of certificates in force, .... 1,153 

Gross amount of benefits represented therein, . . $1,153,000 00 

All in Massachusetts. 






1883.] BENEFICIARY ASSOCIATIONS. 183 



ODD FELLOWS' MUTUAL BENEFIT ASSOCIATION, CHARLES- 
TOWN DISTRICT, BOSTON. 

[Incorporated Dec. 13, 1880. Commenced business Nov. 29, 1870.] 

Charles T. Abron, President. Fred. M. Reed, Secretary. 

Income during 1883. 

For membership fees, . . $41 00 

assessments, 3,563 00 

fines, 41 25 

interest, 35 60 

Total income, . . . . . . . . $3,680 85 

Balance on hand Dec. 31, 1882, 375 91 



Total, . $4,056 76 



Disbursements during 1883. 

Cash paid for losses and claims (7 deaths), $3,584 00 
for compensation to officers and 

employees 145 10 

for printing, rent, etc., . 58 55 

Total disbursements, .... 3,7#7 65 

Balance, $269 11 



Assets Dec. 31, 1883. 
Cash deposited in banks, ....... $269 11 

Losses and Claims paid during the Year. 

Whole number of deaths, 7 

Whole amount paid the beneficiaries, . . . . $3,584 00 

Exhibit of Membership. 

Total present membership, ' . 510 

Number of certificates in force, 510 

Gross amount represented therein, $260,100 00 

All in Massachusetts. 



184 



MUTUAL AID AND OTHER [Dec. 31, 



ODD FELLOWS' MUTUAL BENEFIT ASSOCIATION OF 

CHELSEA. 

[Incorporated Feb. 14, 1881. Commenced business Marcb 27, 1874.] 

John U. Perkins, President. Chas. W. Allen, Secretary. 



Income during 1883. 



For membership fees, 
assessments, 
interest, 
fines, . 



Total income, 
Balance on hand Dec. 31, 1882, . 



Total, 



$50 00 


180 


30 


8 


91 


1 


00 


$240 


21 


269 


89 



$510 10 



Disbursements during 1883. 

Cash paid for losses and claims (L death), 
for printing and postage, . 
Total disbursements, .... 



$189 00 
7 60 


196 60 







Balance, 



$313 50 



Assets Dec. 31, 1883. 



Cash in office, .... 
deposited in bank, 
Total amount of cash items, 

Balance (deficit) unaccounted for, 
Assessments due and unpaid, 



$12 85 
286 65 



299 50 



$14 00 
$16 20 



Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, 

Exhibit op Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



1 

$189 00 



193 
193 

$37,249 00 
174 
174 

$30,276 00 









3 883.] BENEFICIARY ASSOCIATIONS. 185 



ODD FELLOWS MUTUAL BENEFIT ASSOCIATION, 
DORCHESTER. 

[Incorporated March 3, 1883. Commenced business Oct. 29, 1873.] 

Samuel Cochran, President. John K. Tileston, Secretary. 

Income during 1883. 

For membership fees, $27 00 

assessments, Ill 30 

Total income $138 30 

Balance on hand Dec. 31, 1882, 170 48 

Total, $308 78 

Disbursements during 1883. 

Cash paid for losses and claims (1 death), $99 00 
for all other items, ... 6 18 
Total disbursements, .... 105 18 

Balance, $203 60 

Assets Dec. 31, 1883. 
Cash in office, $203 60 

Losses and Claims paid during the Year. 

Whole number of deaths, 1 

Whole amount paid the beneficiaries, .... $99 00 

Exhibit of Membership. 

Total present membership, 98 

Whole number of certificates in force, .... 98 

Gross amount of benefits represented therein, . . . $9,640 00 
All in Massachusetts. 



186 MUTUAL AID AND OTHER [Dec. 31, 



ODD FELLOWS MUTUAL BENEFIT ASSOCIATION OF ESSEX 

NORTH, SALEM. 

[Incorporated Sept. 22, 1877. Commenced business June, 1869.] 

James S. Hutchinson, President. Nathaniel A. Verry, Secretary. 

Income during 1883. 

For membership fees, . . . . . . $257 00 

assessments, 26,647 00 

interest, 100 00 

fines, 41 35 

Total income '. |27,045 35 

Balance on hand Dec. 31, 1882 8,458 59 

Totals, $35,503 94 

Disbursements during 1883. 

Cash paid for losses and claims (deaths), . $29,763 00 
for compensation to officers and 

employees, .... 1,053 78 

for blanks and printing, . . 126 54 

for stationery, postage, etc., . 284 16 

Total disbursements, .... 31,227 48 

Balance, $4,276 46 

Assets Dec. 31, 1883. 

Cash in banks, $4,276 46 

Mortuary assessments due and unpaid, . $66 00 

Liabilities Dec. 31, 1883. 
Losses in process of adjustment (3 deaths), . . . $2,940 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 24 

Whole amount paid the beneficiaries, .... $29,763 00 

Exhibit of Membership. 

Total present membership, 1,625 

Whole number of certificates in force, .... 1,975 

Gross amount of benefits represented therein, . . . $2,979,000 00 



1883.] BENEFICIARY ASSOCIATIONS. 187 



ODD FELLOWS MUTUAL BENEFIT ASSOCIATION, LOWELL 

[Commenced business July 15, 1868.] 

James T. Trask, President. A. P. Lyman, Secretary* 

Income during 1883. 

For membership fees, . . . . $179 25 

assessments, 11,870 00 

Total income, $12,049 25 

Balance on hand Dec. 31, 1882, 1,429 84 

Total, . |13,479 09 

Disbursements during 1883. 

Cash paid for losses and claims (15 deaths), $12,145 00 
for compensation to officers and 

employees, .... 175 00 

for blanks and printing, . . 107 72 

for rent, stationery, etc., . . 115 56 

Total disbursements, .... 12,543 28 

Balance, . $935 81 

Liabilities Dec. 31, 1883. 

Losses and claims due and unpaid, . . $802 00 
adjusted but not due, . 790 00 
Total, . . . . . . . $1,592 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 15 

Whole amount paid the beneficiaries, .... $12,145 00 

Exhibit of Membership* 

Total present membership, , 789 

Whole number of certificates in force, .... 789 

Gross amount of benefits represented therein, . . . $622,521 0Q 
All in Massachusetts. 



188 



MUTUAL AID AND OTHER [Dec. 31, 



ODD FELLOWS MUTUAL BENEFIT ASSOCIATION, CAMBRIDGE. 

[Incorported May 10, 1881. Commenced business Dec. 7, 1871.] 

Henry P. Trask, President. John K. Thompson, Secretary. 



Income during 1883. 



For membership fees, . 
assessments, 

Total income, 
Balance on hand Dec. 31, 1882, . 



Total, 



$32 50 
1,980 30 



$2,012 80 
1,338 21 



1,351 01 



Disbursements during 1883. 

Cash paid for losses and claims (3 deaths), $1,800 90 
for compensation to agents, . 1 00 
for salaries of officers and em- 
ployees, 40 00 

for advertising, . ' . . . 17 74 

Total disbursements, .... — 



Balance, 



1,859 64 



.491 37 



Assets Dec. 31, 1883. 
Cash deposited in bank, 

Balance (deficit) unaccounted for, 



1,471 89 



$19 48 



Losses and Claims paid during the Year. 

Whole number of deaths, 3 

Whole amount paid the beneficiaries, .... $1,800 90 

Number of deaths in Massachusetts, ...... 3 

Amount paid the beneficiaries, ...... $1,800 90 



Exhibit of Membership. 

Total present membership, 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 



313 
313 

$195,938 00 
307 
307 

$188,498 00 



1883.] BENEFICIARY ASSOCIATIONS. 189 



ODD FELLOWS MUTUAL RELIEF ASSOCIATION OF THE 
CONN. RIVER VALLEY, SPRINGFIELD. 

[Incorporated Feb. 3, 1876. Commenced business Feb. 3, 1873.] 

John M. Wood, President. Wm. H. W t inans, Secretary. 

Income during 1883. 

For membership fees, . ........ $1,547 00 

assessments, 38,981 00 

interest, 287 65 

reinstatements, 187 00 

sundries, . 49 15 



for rent, .... 
for printing and postage, . 
for all other items, 
Total disbursements, . 



173 00 
575 93 
410 14 






Assets Dec. 31, 1883. 
Cash in office, . . . ... . $28 27 

deposited in banks, . 

Total cash items, 
Assessments not yet made, . . . $4,000 00 

Office furniture, . . . . . . 700 00 



:,700 00 



Total income, . . . $41,051 80 

Balance on hand Dec. 31, 1882, ...... 13,392 44 



Total, $54,444 24 

Disbursements during 1883. 

Cash paid for losses and claims (39 deaths), $38,852 00 
for compensation of officers and 

employees, .... 1,537 50 



41,548 57 

Balance, $12,895 67 



12,867 40 

— [$12,895 67 



Liabilities Dec. 31, 1883. 

Losses and claims not yet assessed (4 deaths), . . $4,000 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 39 

Whole amount paid the beneficiaries, .... $38,852 00 

Number of deaths in Massachusetts, . 37 

Amount paid the beneficiaries, $36,726 00 



190 MUTUAL AID AND OTHER [Dec. 31, 



Exhibit of Membership. 

Total present membership, . . 
Whole number of certificates in force, 
Gross amount of benefits represented therein, . 
Total present membership in Massachusetts, . 
Number of certificates in force, .... 
Gross amount of benefits represented therein, . 



4,106 

4,109 

$4,109,000 00 

3,265 

3,265 
$3,265,000 00 



ODD FELLOWS' MUTUAL RELIEF ASSOCIATION OF 
WORCESTER COUNTY, WORCESTER. 

[Incorporated Oct. 15, 1877. Commenced business Oct. 13, 1871.] 

A. H. Fisher, President. Joseph E. Bradford, Secretary. 

Income during 1883. 

For membership fees, $209 90 

assessments, . 12,128 00 

interest, . 179 38 

fines and reinstatements, 71 75 

Total income, $12,589 03 

Balance on hand Dec. 31, 1882, . . . . . 5,528 30 

Total, $18,117 33 

Disbursements during 1883. 

Cash paid for losses and claims (9 deaths), $9,000 00 
for compensation to officers and 

employees, .... 574 94 

for all other items, . . . 172 81 

Total disbursements, .... 9,747 75 

Balance, $8,369 58 

Assets Dec. 31, 1883. 

Cash in office, $18 16 

deposited in banks, .... 7,351 42 

United States bonds, 1,000 00 

Total amount of cash items, . . » $8,369 58 

Office furniture, .... $200 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 9 

Whole amount paid the beneficiaries, . . . $9,000 00 



1883.] BENEFICIARY ASSOCIATIONS. 191 

Exhibit of Membership. 

Total present membership, 1,297 

Whole number of certificates in force, . . . . 1,297 

Gross amount of benefits represented therein, . . . $1,297,000 00 
All in Massachusetts. 



PROVIXCETOWN ODD FELLOWS MUTUAL BENEFIT ASSO- 
CIATION, PROVINCETOWN. 

[Incorporated Oct. 26, 1882. Commenced business Oct. 29, 1872.] 

Joseph P. Johnson, President. Isaiah A. Small, Secretary. 

Income during 1883. 

For membership fees, 

assessments, 

Total income, . . . ■ . 
Balance on hand Jan. 10, 1882, ...... 

Total, $772 71 

Disbursements during 1883. 

Cash paid for losses and claims (2 deaths), $375 00 
for compensation of officers and 

employees, . . . . 10 00 

for all other items, ... 19 73 

Total disbursements, .... — — • 404 73 



$30 


00 


375 


00 


$405 


00 


367 


71 



Balance, ......... $367 98 

Assets Dec. 31, 1883. 

Cash in office, $27 53 

deposited in bank, .... 340 45 
Total amount of cash items, . . $367 98 

Losses and Claims paid during the Year. 

Whole number of deaths, 2 

Whole amount paid the beneficiaries, . $375 00 

Exhibit of Membership. 

Total present membership, 196 

Whole number of certificates in force, . . .. . 196 

Gross amount of benefits represented therein, . . . $38,416 00 
All in Massachusetts. 



192 



MUTUAL AID AND OTHER [Dec. 31, 



OTHER SECRET ORDERS. 



SUPREME COUNCIL AMERICAN LEGION OF HONOR, BOSTON. 

[Incorporated March 11, 1879* Commenced business Dec. 18, 1878.] 

Michael Nisbet, Sup. Commander. Adam Warnock, Stip. Secretary. 

Office, 442 Washington Street. 

Income during 1883. 



For membership fees, 
annual dues, 
assessments, 

interest, . . ... 
benefit fund, 

premiums on sale of securities, 
loan to general fund, . 
supplies, .... 
" Journal," .... 



Total income, 
Balance on hand Dec. 31, 1882, . 



Total, 



$12,384 25 

11,927 59 

1,500,360 11 

3,183 96 

4,163 00 

380 00 

5,000 00 

8,269 56 

1,354 11 

$1,547,022 58 
6,035 69 

$1,553,058 27 



Disbursements during 1883. 
Cash paid for losses and claims (469 deaths) , f 1,498,800 00 



. for compensation of officers and 
employees, 
for " Journal " and supplies, 
for law expenses, 
for expenses of annual session, 
for all other items, 
Total disbursements, . 



15,254 00 

9,024 00 

1,554 59 

7,651 05 

10,770 47 



1,543,054 11 



Balance, 



$10,004 16 



1883.] 



BENEFICIARY ASSOCIATIONS. 



1 ( J3 



Assets Dec. 31, 1883. 

Cash on deposit by supreme treasurer, .... 

Assessments due and unpaid, . . . $92,141 78 

not yet due, .... 104,107 88 



Total, . 



$196,249 66 



$10,004 16 



Liabilities Dec. 31, 1883. 

Losses and claims due and unpaid (5 deaths), $12,000 00 
in process of adjustment 

(19 deaths), . . 71,000 00 

resisted (2 deaths), . 6,000 00 

Money borrowed, 5,000 00 

All other debts, 2,885 00 

Total liabilities, $96,885 00 



Losses and Claims paid during the Year. 



Whole number of deaths, . 
Whole amount paid the beneficiaries, 
Number of deaths in Massachusetts, 
Amount paid the beneficiaries, . 



469 

$1,498,800 00 

48 

$128,500 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, . 

Gross amount of benefits represented therein, 



53,032 

53,032 

$166,717,000 00 

5,625 

5,625 

. $17,683,500 00 



194 MUTUAL AID AND OTHER [Dec. 31, 



ANCIENT ORDER OF FORESTERS (ENDOWMENT FUND). 

[Commenced business Oct 1, 1876.] 

R. Davis, President. E. M. McMurtry, Secretary. 

Principal Office, 505 Chestnut Street, Philadelphia, Pa. 

Income during 1883. 

For membership fees, $2,008 46 

assessments, 28,282 76 

Total, $30,291 22 

Balance on hand Dec. 31, 1882, 209 93 

Total, . . . . $30,501 15 

Disbursements during 1883. 

Cash paid for losses and claims (30 deaths) , $28,000 00 
for salaries of officers and em- 
ployees, . . ... . 700 00 

for advertising, blanks and print- 
ing, 227 15 

for all other items, . . . 507 19 

; Total disbursements, .... 29,434 34 

Balance, . . . . . . . . . $1,066 81 

Assets Dec. 31, 1883. 

Cash deposits in banks, $1,066 81 

Assessments due and unpaid, . « . $379 72 

not yet due, . . . . 1,810 00 

$2,189 72 

Losses and Claims paid during the Year. 

Whole number of deaths, '. $30 

Whole amount paid the beneficiaries, . . . $28,000 00 

Number of deaths in Massachusetts, 6 

Amount paid the beneficiaries, $6,000 00 

Exhibit of Membership. 

Total present membership, $2,263 

Whole number of certificates in force, . ' . . . 2,263 

Gross amount of benefits represented therein, . . . $2,067,000 00 

Total present membership in Massachusetts, . . . 249 

Number of certificates in force, 249 

Gross amount of benefits represented therein, . . . $244,000 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



195 



GRAND LODGE ANCIENT ORDER OF UNITED WORKMEN, 

BOSTON. 

[Incorporated Feb. 9, 1883. Commenced business Feb. 25, 1879.] 

J. Edward Burtt, G. Master Workman. Hugh Doherty, G. Recorder: 



Income during 1883. 



For annual dues, 
assessments, 
From all other sources, 



Total income, 
Balance on hand Dec. 31, 1882, . 



Total, 



$4,368 00 

48,703 00 

2,016 38 

$55,087 38 
2,218 08 

$57,305 46 



Disbursements during 1883. 

Cash paid for losses and claims (24 deaths), $48,000 00 
for compensation of officers and 

employees, .... 1,483 33 

for all other items, . . . 3,861 52 

Total disbursements, .... . 



Balance, 



53,344 85 



$3,960 61 



Assets Dec. 31, 1883. 



Cash in office, 



!,960 61 



Liabilities Dec. 31, 1883. 
Losses and claims un assessed (2 deaths), 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 

Number of deaths in Massachusetts, 

Amount paid the beneficiaries, . 



$4,000 00 



24 
$48,000 00 

13 
$26,000 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



5,006 
5,006 
$10,012,000 00 
2,556 
2,556 
$5,112,000 00 



196 



MUTUAL AID AND OTHER [Dec. 31, 



BAY STATE FRATERNITY, CAMBRIDGEPORT. 

[Incorporated June 29, 1882. Commenced business, June 29, 1882.] 

Thomas M. Howard, President. Jonas W. Wilson, Secretary. 



Income during 1883. 
For membership fees, 
quarterly dues, . 
assessments, 
medical examiner's fees, 
charter of new lodge, . 
supplies bought by lodge, 

Total income, 
Balance on hand Dec. 81, 1882, 



Total, 



Disbursements during 1883. 

Cash paid for losses and claims (1 death), $135 50 
for commissions and fees paid to 

agents, 131 00 

for medical examiner's fees, . 63 00 

for blanks and printing, . . 175 67 

for all other items, . . . 34 71 

Total disbursements, .... =^=_«=__ 



Balance, 



Assets Dec. 31, 1883. 

Cash in principal office, 

Assessments due and unpaid, . . . . $69 25 

Liabilities Dec. 31, 1883. 

Due for losses and claims (1 death), . . . . . 
for printing, 



Total, 

Losses and Claims paid during the Year. 

Number of deaths, 

Amount paid the beneficiaries, 

Exhibit op Membership. 

Total present membership, 

Number of certificates in force, 

Gross amount of benefits represented therein, . 
All in Massachusetts. 



$106 00 
69 30 
371 00 
63 00 
50 00 
98 73 

$758 03 
17 35 

$775 38 



539 88 

$235 50 

$235 50 



$135 50 
75 30 

$210 80 



$135 50 



197 
345 

$255,000 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



197 



SUPREME UNION OF THE EQUITABLE AID UNION, 
COLUMBUS, PENN. 

[Incorporated March 22, 1879. Commenced business April 25, 1879.] 

D. A. Dewey, President. W. H. Muzzy, Secretary. 

Office, Main Street, Columbus, Penn. 

Income during 1883. 



For membership fees, 


. • . $2,353 00 


annual dues, 


7,388 66 


assessments, 


205,434 35 


benefit certificates, 


1,508 70 


medical examiner's fees, .... 


677 21 


supplies to subordinate unions, . 


4,367 45 


From all other sources, 


361 31 


Total income, 


$222,090 68 


Balance on hand Dec. 31, 1882, .... 


7,250 93 



Total, $229,341 61 



Disbursements during 1883. 

Cash paid for losses and claims (105 deaths) , $204,650 00 
for compensation to officers and 

employees, .... 8,001 83 
for advertising, printing and sup- 
plies, 4,195 16 

for postage, .... 1,025 24 

for all other items, . . • 1,073 62 

Total disbursements, .... 



Balance, 



218,945 85 



$10,395 76 



Losses and Claims paid during the Year. 



Whole number of deaths, 

Whole amount paid the beneficiaries, 

Number of deaths in Massachusetts, 

Amount paid the beneficiaries, .... 

Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, . 

Gross amount of benefits represented therein, 



105 

$204,650 00 

1 

$3,000 00 



13,544 
13,544 

$26,248,646 50 
239 
239 

$557,820 00 



198 



MUTUAL AID AND OTHER [Dec. 31, 



GOLDEN RULE ALLIANCE, BOSTON. 

[Incorporated June 9, 1880. Commenced business June 16, 1880.] 

John S. Damrell, President. C. J. Spenceley, Secretary. 

Office, 4 Exchange Place, Boston. 

Income during 1883. 

For membership fees, $2,544 50 

annual dues, 3,590 50 

assessments, . . 16,702 39 

medical examiner's fees, 729 00 

interest, 113 61 

From all other sources, 998 01 

Total income, $24,678 01 

Balance on hand Dec. 31, 1882, 2,860 72 

Total $27,538 73 



Disbursements during 1883. 



Cash paid for losses and claims (9 deaths), 
for commissions to agents, 
for medical examiner's fees, 
for salaries of officers and em 

ployees, .... 
for rent, .... 
for printing, stationery, etc., 
for chapter expenses, 
for all other items, . 
Total disbursements, . 



16,374 00 
1,735 85 

729 00 

1,819 14 
471 96 

1,298 29 

1,830 04 

183 19 



Balance, 



24,441 47 



5,097 26 



Assets Dec. 31, 1883. 



Cash in office, .... 


$277 18 


held by chapters, 


787 22 


deposited in bank, 


2,032 86 


Total amount of cash items, 
Due for rents, .... 




$66 65 


Assessments due and unpaid, . 


362 40 


not yet due, . 


2,429 60 



2,858 65 



1,097 26 



1883.] 



BENEFICIARY ASSOCIATIONS. 



199 



Liabilities Dec. 31, 1883. 
Losses and claims in process of adjustment, $3,000 00 
Due for salaries of officers and employees, 1,851 31 
Total, 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 
Number of deaths in Massachusetts, 
Amount paid the beneficiaries, • 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



t,851 31 



9 

$16,374 00 

9 

$16,374 00 



1,400 
1,400 

$2,820,500 00 
1,080 
1,080 

$2,039,000 00 



SUPREME COUNCIL OF THE HOME CIRCLE, BOSTON. 

[Incorporated Jan. 13, 1880. Commenced business Nov. 5, 1879.] 

Julius M. Swain, Sup. Leader. N. H. Fuller* Sup. Secretary. 

Office, Jamaica Plain. 



Income during 1883. 

From assessments, 

benefit certificates and mdse., . 



Total income, 
Balance on hand Dec. 31, 1882, . 



Total, 



$17,243 24 
2,861 60 

$20,104 84 
1,255 43 

$21,360 27 



Disbursements during 1883. 

Cash paid forlosses and claims (11 deaths), $17,860 02 
for compensation of officers and 

employees, .... 1,000 00 

for mdse. and office expenses, . 1,108 42 

for printing, .... 788 75 

for advertising and taxes, . . 25 00 

Total disbursements, .... 20,782 19 



Balance, 



$578 08 



200 



MUTUAL AID AND OTHER [Dec. 31, 



Assets Dec. 81, 1883. 

Cash in office, 

Assessments not yet due, .... 
Annual payments in process of collection, 
Mdse. and stock for sale, . . . 
Total, . . . . . 



$2,178 15 

685 45 

442 28 

$3,305 88 



$578 08 



Liabilities Dec. 31, 1883. 

Amount due for borrowed money, . . $638 32 

for taxes, .... 10 00 

Total, . . . . . . . - — — 



$648 23 



Losses and Claims paid during the Year. 

Whole number of deaths, 11 

Whole amount paid the beneficiaries, .... $17,860 00 

Number of deaths in Massachusetts, 4 

Amount paid the beneficiaries, $6,871 35 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



2,176 

2,176 

$5,900,500 00 



898 
$2,124,000 00 



INDEPENDENT ORDER OF UNITED ESSENIANS, BOSTON. 

[Incorporated Nov. 17, 1880. Commenced business Dec. 3, 1880.] 

S. B. Gilbert, Sup. Chief. Geo. F. Barnes, Sup. Secretary. 



Income during 1883. 

For assessments, 

Balance on hand Dec. 31, 1882, .... 



Total, 



$58 90 
58 06 

$116 96 



Disbursements during 1883. 

Cash paid for losses and claims (1 death), $27 67 
Total disbursements, .... 



27 67 



Balance, 



$89 29 



1883.] BENEFICIARY ASSOCIATIONS. 201 

Assets Dec. 31, 1883. 

Cash in office, $4 29 

deposited in bank, . .* 85 00 
Total, . ..... $89 29 

Losses and Claims paid during the Year. 

Whole number of deaths, 1 

Whole amount paid the beneficiaries, .... $27 67 

Exhibit of Membership. 

Total present membership, 30 

Whole number of certificates in force, .... 30 

Gross amount of benefits represented therein, . . . $15,050 00 
Does business only in Massachusetts. 



GRAND LODGE KNIGHTS AND LADIES OF HONOR, BOSTON. 

[Incorporated Jan. 27, 1882. Commenced business July 23, 1878.] 

Chas. F. Dudley, Or. Protector. Sam'l Hathaway, Or. Secretary. 

Statement for 1883. 

Assessments paid by Massachusetts members to supreme 
treasurer, . . . $33,168 95 

Received by the beneficiaries of Massachusetts members 
from supreme treasurer, 25,000 00 



Exhibit of Membership. 

Total present membership in Massachusetts, . . . 2,068 

Whole number of certificates in force, .... 2,354 

Gross number of benefits represented therein, . . $2,506,000 00 



202 



MUTUAL AID AND OTHER [Dec. 31, 



GRAND LODGE KNIGHTS OF HONOR OF MASSACHUSETTS. 

[Incorporated Feb. 7, 1879. Commenced business March 1, 1876.] 

Samuel Lawrence, Or. Dictator. Ciias. H. Eaton, Or. Reporter. 

Office, 730 Washington Street, Boston. 

Statement for 1883. 

Assessments paid supreme treasurer, .... $242,735 11 
Amount received from the supreme treasurer by the bene- 
ficiaries of Massachusetts deceased members (69 deaths), 158,000 00 



Exhibit of Membership. 

Total present membership in Massachusetts, . 

Whole number of certificates in force, 

Gross amount of benefits represented therein, . 



10,879 

10,879 

$21,379,000 00 



SUPREME LODGE SUPPLEMENTARY STATEMENT. 
Income during the Year. 



For assessments, 

Balance on hand Jan. 1, 1883, . 

Total, . . . . 



$2,857,188 75 
184,282 40 

$3,041,471 15 



Disbursements during 1883. 



Paid 1,443 full-rate benefits, 

16 half-rate benefits, . 

Total disbursements, . 



. $2,874,000 00 
8,000 00 



2,882,000 00 



Balance, 



$159,471 15 



General Fund. 

Balance on hand Jan. 1, 1883, . 
Received from sale of supplies, tax, etc., . 

Totals 

Paid for supplies and general expenses, . 

Balance, 

Whole number of members, 

Amount of benefits represented therein, . 



$6,960 46 
67,065 71 



,026 17 
61,905 74 

$12,120 43 

128,309 

$256,000,000 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



203 



KNIGHTS OF PYTHIAS (ENDOWMENT RANK.) 

[Incorporated Aug. 25, 1875. Commenced business Nov. 1, 1877.] 

John P. Linton, Sup. Chancellor. 

John B. Stumph, Sup. Master of Exchequer. 

Office, 11 Journal Building, Indianapolis, Ind. 



Income during 1883. 



For membership fees, 
assessments, 
supplies and clearance cards, 



Total income, 
Balance on hand Dec. 31, 1882, . 

Total, 



$4,535 00 

540,656 60 

422 25 

$545,613 85 

8,037 34 

$553,651 19 



Disbursements during 1883. 

Cash paid for losses and claims (344 deaths) , $534,381 00 
for salaries of officers and em- 
ployees, 7,735 00 

for rent, supplies and office ex- 
penses, . . . . 7,185 27 
for printing, .... 1,579 28 
for expenses of officers of sup. 

lodge, 900 78 

for taxes, attorney's fees, etc., . 58 00 
Payments and assessments returned to 

members, 112 00 

Total disbursements, .... 



Balance, 



551,951 33 



$1,699 86 



Assets Dec. 31, 1883. 



Cash deposits in bank, 
Office furniture, etc, . 
Assessments not yet made, 

due and unpaid, 
not yet due, . 



$1,106 00 

47,264 00 

9,841 00 

25,981 00 



$1,699 86 



$84,192 00 



204 MUTUAL AID AND OTHER [Dec. 31, 

Liabilities Dec. 31, 1883. 

Adjusted losses and claims due and unpaid 

(8 deaths), . $ 10,759 00 

Adjusted losses and claims not yet due 

(34 deaths), 51,000 00 

Losses and claims for which no assessment 
has been made (14 deaths), . . 23,000 00 

Total liabilities, *__ $84,759 00 

Losses and Claims paid during the Year. 
Whole number of deaths, . . . . . . 344 

Whole amount paid the beneficiaries, .... $534,381 00 

Number of deaths in Massachusetts, .... 19 

Amount paid the beneficiaries, 30,000 00 



Exhibit of Membership. 

Total present membership, ... 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Number of certificates in force, 
Gross amount of benefits represented therein, 



26,977 

26,977 

$41,647,776 00 

987 

987 

$1,502,176 00 



STATE GRAND COUNCIL OF THE MASSACHUSETTS ORDER 
OF MYSTIC BROTHERS', WIDOWS' AND ORPHANS' ENDOW- 
MENT LEAGUE. 

[Incorporated Sept. 22, 1882. Commenced business Dec. 18, 1882.] 

Henry Krey, President. Robert M. W. McFarlane, Secretary. 

Office, 14 Fleet Street, Boston. 

Income during 1883. 

For assessments, $103 00 

medical examiner's fees, 39 00 

Total income, . $142 00 

Balance on hand Dec. 31, 1882, ;. 62 25 

Total, $204 25 

Disbursements during 1883. 
Cash paid for losses and claims (1 death), $29 50 

for medical examiner's fees, . 39 00 

for printing, 20 00 

Total disbursements, .... 88 50 

Balance, , $115 75 



1883.] 



BENEFICIAKY ASSOCIATIONS. 



205 



Assets Dec. 31, 1883. 

Cash- in office, 

deposited in bank, .... 
Total amount of cash items, 



$34 75 
81 00 



$115 75 



Losses and Claims paid during the Year. 



Whole number of deaths, . 

Whole amount paid the beneficiaries, 



1 
$29 50 



Exhibit of Membership. 

Total present membership, .... 
Whole number of certificates in force, 
Gross amount of benefits represented therein, . 
Does business only in Massachusetts. 



* 106 

106 

$205,000 00 



NATIONAL AMERICAN ASSOCIATION. 

[Incorporated Jan. 31, 1879. Commenced business Jan. 31, 1879.] 

John C. Ralston, President. John S. Gordon, Secretary. 

Office, 152 Dudley Street, Boston. 



Income during 1883. 



For annual dues, 
supplies, 

Total income, 



$362 50 
43 67 

$406 17 



Disbursements during 1883. 



Cash paid for salaries of officers and em- 






ployees, 


$15 00 




for printing, 


77 55 




for postage, stationery, etc., 


67 99 




for per capita tax, 


181 25 




for all other items, 


43 20 




Total disbursements, . 




384 99 




$21 18 



Exhibit of Membership. 

Total present membership in Massachusetts, . 

Whole number of certificates in force, 

Gross amount of benefits represented therein, . 



382 

382 

$382,000 00 



20(5 



MUTUAL AID AND OTHER [Dec. 31, 



NORTHERN MUTUAL RELIEF ASSOCIATION, BOSTON. 

[Incorporated Sept. 19, 1883. Commenced business Sept. 22, 1883.] 

Jacob H. Gallinger, President. Gilbert A. A. Pevey, Secretary. 

Office, 27 Tremont Row. 



Income during 1883 



For benefit certificates, 

charter fees, 

supplies sold, 
From incorporators (on account), 



Total income, 



$226 


50 


240 00 


121 


06 


102 


50 



$690 06 



Disbursements during 1883. 



Cash paid for blanks and printing, 
for all other items, 
Total disbursements, . 

Balance, . . . 



$265 08 
121 79 


386 87 





$303 19 



Assets Dec. 31, 1883. 

Cash deposits in bank, ..... 
Assessments not yet due (estimated), 
Annual payments not yet due (estimated), 
Value of supplies (estimated), . 
Amount due for supplies from subordinate 

associations (estimated), 
Balance due from incorporators, 

Total, . . . . . 



11,763 


97 


315 


75 


200 00 


464 


49 


157 


50 



$303 19 



^2,901 71 



Liabilities Dec. 31, 1883. 
Printing, supplies, office expenses, etc., . 



.,456 54 



Exhibit of Membership. 
Total present membership (estimated), . 



1,195 



1883.] 



BENEFICIARY ASSOCIATIONS. 



207 



ORDER OF THE IRON HALL, BOSTON. 

[Incorporated Jan. 26, 1882. Commenced business Oct. 10, 1881.] 

Wm. H. Martin, President. Charles E. Holman, Secretary. 



Statement for the Year ending Dec. 20, 1883. 
Relief Fund. 

Whole amount paid to supreme cashier, .... 
Amount received by Massachusetts members in benefits, 

Reserve Fund. 
Total amount in the hands of local branches, . 



General Fund. 

Balance on hand Dec. 20, 1882, . 
Amount received during the year, 

Total, , % . . 
Whole amount expended during the year, 



$157 20 
1,353 17 



13,598 40 
2,090 00 



,631 45 



Balance (deficit), 



$1,510 37 
1,514 08 

$3 71 



Supplementary Statement of the Supreme Sitting. 



Whole amount paid by members, 
Deduct 20 per cent, for reserve fund, 

Total income, . . 
Balance on hand Dec. 20, 1882, . 



$102,497 50 
20,499 50 



Total, . . . 

Paid for losses and claims and assessments returned to 
members, 



Balance on hand, 



Reserve Fund. 



Amount held by local branches in 1881, . 

1882, . 

1883, . 
Total without interest, 



$755 90 
12,295 40 
20,499 50 



$81,998 00 
3,052 70 

$85,050 70 

79,845 00 

$5,205 70 



f33,550 80 



Exhibit of Membership. 

Number of States in which the Order exists, 

of local branches, 
Total present membership, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Amount of benefits represented therein, . 



28 

182 

4,268 

$3,414,400 00 

155 

$145,250 00 



208 MUTUAL AID AND OTHER [Dec. 31, 

IMPERIAL COUNCIL OF THE ORDER OF UNITED FRIENDS. 

[Incorporated Dec. 2, 1881. Commenced business Dec. 2, 1881.] 

Jacob Roberts, President. A. M. Shedd, Secretary. 

Office, Poughkeepsie N. Y. 

Income during- 1883. 

For membership fees, $1,500 00 

annual dues, . . . . . . . 1,202 98 

assessments, 36,152 32 

medical examiner's fees, 1,876 12 

court blanks, jewels, books, etc., .... 3,851 60 

Total income, $44,583 02 

Balance on hand Dec. 31, 1882, 1,554 42 

Total, . . ' $46,137 44 

Disbursements during 1883. * 
Cash paid for losses and claims (18 deaths), $34,792 98 
for medical examiner's fees, . 1,876 12 
for salaries of officers and em- 
ployees, 1,475 00 

for advertising, printing, etc., . 2,478 22 

for all other items, . . . 4,270 10 

Total disbursements, .... 44,892 42 

Balance, $1,245 02 

Assets, Dec. 31, 1883. 

Cash deposited in bank, $1,245 02 

Council's and deputies' ledger balances, . $890 75 

Assessments not yet due, .... 199 26 

Ail other assets (estimated), . . . 3,000 00 

Total $4,090 (Jl 

Liabilities Dec. 31, 1883. 
Losses and claims unassessed (3 deaths), . . . . $6,000 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 18 

Whole amount paid the beneficiaries, .... $34,792 98 

Number of deaths in Massachusetts, 1 

Amount paid the beneficiaries, $2,000 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



209 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, . 

Gross amount of benefits represented therein, 



5,502 
5,502 
$12,191,000 00 
1,047 
1,047 
$2,489,000 00 



SUPREME COUNCIL ROYAL ARCANUM, BOSTON. 

[Incorporated Nov. 5, 1877. Commenced business June 23, 1877.] 

John Haskell Butler, Sup. Begent. W. O. Robson, Sup. Secretary. 

Office, 66 State Street. 



Income during 1883. 

For membership fees, benefit certificates, etc., . . . $9,519 00 

annual dues, 15,284 99 

assessments, , 879,910 75 

interest, ; 205 00 

supplies sold, etc., ........ 11,106 29 

Total income, $916,026 03 

Balance on hand Dec, 31, 1882, 54,03108 

Total, $970,057 11 



Disbursements during 1883. 
Cash paid for losses and claims (307 deaths) , $906,000 00 



for compensation to agents, 


3,440 55 




for salaries of officers and em- 






ployees, .... 


15,913 20 




for rent, .... 


650 00 




for supplies, 


3,551 59 




for all other items, 


13,014 41 








942,569 75 








$27,487 36 



210 



MUTUAL AID AND OTHER [Dec. 31, 



Assets Dec. 31, 1883. 



Cash in office, .... 
bonds, .... 
Total amount of cash items, 
Interest due and accrued, . 
Assessments due and unpaid, 

not yet due, . 
Per capita tax due, 
Due from councils and deputies, 
Stock on hand, .... 

Total, 



• Ulj 


$19,510 75 




7,976 61 


$227 50 




57,700 89 




1 90,494 72 




7,997 11 




6,377 92 




6,233 63 


t 


$169,031 77 



$27,487 36 



Liabilities Dec. 31, 1883. 

Losses and claims unadjusted (3 deaths), . $9,000 00 * 

All other debts, 6,596 94 

Total, $15,596 94 



Losses and Claims paid during the Year. 

Whole number of deaths, 307 

Whole amount paid the beneficiaries, .... $906,000 00 

Number of deaths in Massachusetts, ..... 51 

Amount paid the beneficiaries, $151,500 00 



Exhibit of Membership 

Total present membership, 

Number of certificates in force, . 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, . 

Gross amount of benefits represented therein, 



47,744 

47,744 

$141,580,500 00 

T-,116 

7,116 

. $21,126,000 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



21 



SUPREME COUNCIL OF UNITED FELLOWSHIP, BOSTON. 

[Incorporated Jan. 31, 1881. Commenced business Oct. 4, 1880.] 

Henry Damon, Sup Director. F. W. Seavey, Secretary. 

Office, 26 Union Park Street. 



Income during 1883. 

For benefit certificates, 

annual dues, 

assessments, 

medical examiner's fees, .... 

supplies, 

Borrowed money, 

Total income, 

Balance on hand Dec. 31, 1882, . . 

Total, . . 



$598 00 


941 


75 


3,707 


84 


43 50 


1,055 


68 


580 


00 


£6,926 


77 


96 


41 



$7,023 18 



Disbursements during 1883. 

Cash paid for losses and claims (7 deaths), 
for compensation to deputies, . 
for travelling expenses, 
for medical examiner's fees, 
for salaries of officers and em- 
ployees, 

for all other items, . 
Total disbursements, .... 



Balance, 



$3,002 84 




392 20 




44 00 




10 87 




1,221 63 




1,513 83 






6,185 37 
$837 81 





Assets Dec. 31, 1883. 



Cash in office, .... 
deposited in bank, 
Total amount of cash items, 
Assessments not yet made, - . 
Per capita tax due and unpaid, . 
Due from councils for supplies, 
Office furniture and supplies, . 

Total, 





$56 81 




781 


00 




$1,154 53 




612 


75 




835 


39 




292 


90 



$837 81 



12,895 57 



212 



MUTUAL AID AND OTHER [Dec. 31, 



Liabilities Dec. 31, 1883. 



Adjusted losses unpaid, 


$781 00 


Due for salaries, 


189 62 


for borrowed money, . 


1,057 33 


for supplies, etc., 


1,180 55 


Total, 





$3,208 50 



Losses and Claims paid during the Year. 



Whole number of deaths, . 
Whole amount paid the beneficiaries, 
Number of deaths in Massachusetts, . 
Amount paid the beneficiaries, . 



7 
$3,002 84 

2 
$1,058 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



1,001 

1,094 

$2,188,000 00 

477 

519 

$1,038,000 00 



GRAND COMMANDERY OF THE UNITED ORDER OF THE 

GOLDEN CROSS. 

[Incorporated March 25, 1881. Commenced business Dec. 10, 1878.] 

William H. Solomon, President. James B. Trueworthy, Secretary. 

Office, in Lowell. 



Income during 1883. 

For annual dues, . ,. $2,967 75 

From all other sources, 757 26 

Total income $3,725 01 

Balance on hand Dec. 31, 1882, 1,448 07 

Total, . $5,173 68 



1883.] BENEFICIARY ASSOCIATIONS. 213 

Disbursements during 1883. 



Cash paid for mileage of officers, 


$83 30 




for salaries of officers and other 






employees, .... 


1,050 00 




for per capita tax to supreme 






commandery, 


2,655 00 




for blanks and printing, . 


756 71 




for postage, stationery, etc., 


361 64 




Total disbursements, .... 




14,906 65 






$267 03 



Assets Dec. 31, 1883. 

Cash in principal office, . . . ... . . $267 03 

due for supplies from subordinate 

commanderies, .... $108 12 

Estimated value of supplies on hand, . 249 35 

of furniture and fixtures, 120 50 



Total, . . ... . . $477 97 

Liabilities Dec. 31, 1883. 
Due for supplies and printing, 81,002 53 

Losses and Claims paid during the Year. 

Number of deaths in Massachusetts, .... 35 

Amount paid the beneficiaries,* ..... $68,000 00 

Exhibit of Membership. 

Total present membership in Massachusetts, . . . 2,920 

Number of certificates in force, 2,920 

Gross amount of benefits represented therein, . . . $5,434,000 00 



* Assessments are paid directly to supreme lodge, and upon the death of any member the 
beneficiaries are paid directly therefrom. 



214 



MUTUAL AID AND OTHER [Dec. 31, 



SUPREME COLONY UNITED ORDER OF THE PILGRIM 
FATHERS, LAWRENCE. 

[Incorporated March 15, 1879. Commenced business March 19, 1879.] 

W. H. Emery, President. J. E. Shepard, Secretary. 

Office, Lawrence. 



Income during 1883, 

For annual dues, ........ $2,256 85 

assessments, 29,191 00 

supplies to subordinate colonies, .... 534 38 

Total income $31,982 23 

Balance on hand Dec. 31, 1882, 1,276 68 

Total, . . . . . ' . ... . . $33,258 91 



Disbursements during 1883. 

Cash paid for losses and claims (15 deaths) , $ 28,000 00 
for organizing subordinate colo- 
nies, 120 00 

for salaries of officers and em- 
ployees (21 months), . . 1,112 50 
for blanks and printing, . . 607 42 
for mileage to annual session, . 279 90 
for general expenses, . . . 996 76 
Total disbursements, .... 



Balance, 



31,116 58 



1,142 33 



Assets Dec. 31, 1883. 

Cash deposited in bank, 

Mortuary assessments due and unpaid, . $8,081 66 

Office furniture, supplies, etc., . . . 500 00 

Total, $8,581 66 



$2,142 33 



Liabilities Dec. 31, 1883. 

Losses in process of adjustment (4 death claims, which 
have since been paid), 



$8,000 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



215 



Losses and Claims paid during the Year. 

Whole number of deaths, 15 

Whole amount paid the beneficiaries, .... $28,000 00 

AVhole number of deaths in Massachusetts, ... 9 

Amount paid the beneficiaries, $18,000 00 



Exhibit of Membership. 

Total present membership, .... 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, . 
Number of certificates in force, .... 
Gross amount of benefits represented therein, . 



3,116 
3,116 

$5,946,000 00 
2,260 
2,260 

$4,396,000 00 



216 MUTUAL AID AND OTHER [Dec. 31 



ALL OTHER BENEFICIARY ASSOCIATIONS. 



BAY STATE BENEFICIARY ASSOCIATION, WESTFIELD. 

[Incorporated June 2, 1881. Commenced business June 2, 1881.] 

John R. Reed, President. S. C. Gaylord, Secretary. 

Income during 1883. 

For membership fees, . $14,764 00 

annual dues, 8,260 00 

medical examiner's fees, 2,098 00 

assessments, . 71,040 46 

Total income, $96,162 46 

Balance on hand Dec. 31, 1882, 2,632 98 

Total, . . . . .'■ . . . . . . $98,795 44 

Disbursements during 1883. 

Cash paid for losses and claims (27 deaths) , $70,000 00 

to agents, 12,267 89 

to officers and directors, . . 2,553 09 
for travelling expenses of agents, 2,773 35 
for medical examiner's fees, . 2,512 25 
for salaries of officers and em- 
ployees 4,821 99 

for printing, postage, etc., . . 1,669 90 • 

for all other items, . . . 134 80 

Total disbursements, .... 96,733 27 

Balance, - $2,062 17 

Assets Dec. 31, 1883. 

Cash deposited in bank, $2,062 17 

Assessments not yet made, 15,000 00 

Liabilities Dec. 31, 1883. 

Claims due and unpaid, .... f 5,000 00 

Claims not yet due, 5,000 00 

Total, . ... . . . $10,000 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



217 



Losses and Claims paid during the Year. 



Whole number of deaths, . 
Whole amount paid the beneficiaries, 
Number of deaths in Massachusetts, 
Amount paid the beneficiaries, . 



27 

$70,000 00 

26 

$68,000 00 



Exhibit of Membership. 

Total present membership; 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, . 

Gross amount of benefits represented therein, 



4,277 
4,277 

$13,351,000 00 
3,708 
3,708 

$11,965,000 00 



BOSTON FIREMEN'S MUTUAL RELIEF ASSOCIATION, 

BOSTON. 

[Incorporated Feb. 18, 1882.] 

John S. Damrell, President. Wm. A. Green, Secretary. 

Death Fund. 

Income during 1883. 

For assessments, . . ... . . .• $2,822 00 

advance assessments, 120 00 

Total from assessments, $2,942 00 

Balance on hand Dec. 31, 1882, . . . . . . 1,138 00 

Total, $4,080 00 

Disbursements during 1883. 
Cash paid for losses and claims (1 death), . . . 1,140 00 

Balance of assessment fund, $2,940 00 

Permanent Fund. 

Receipts during 1883. 

For membership fees, . . . . $180 00 

Balance on hand Dec. 31, 1882, . . . 1,034 14 

Total, . . . . . . . $1,214 14 



218 MUTUAL AID AND OTHER [Dec. 31, 

Expenses during 1883. 

For salary of clerk 

loss on deposit in bank, 

printing, postage, etc., 

Total expenses, 



$150 00 




175 20 




11 05 






$336 25 




$877 89 


• 


2,940 00 



Balance of permanent fund, . 
Balance of death fund, . . • . 

Total amount of cash items, ..... $3,817 89 

Assets Dec. 31, 1883. 

Cash in office belonging to death fund, . $2,940 00 

to permanent fund, 168 95 

in the hands of trustees belonging to 

permanent fund, . . . . 708 94 

Total, ■ — $3,817 89 

Liabilities Dec. 31, 1883. 
Losses and claims in process of adjustment, . . . $3,600 00 

Exhibit of Membership. 

Total present membership, 622 

Whole number of certificates in force, .... 622 

Gross amount of benefits represented therein, . . . $773,768 00 



BOSTON POLICE RELIEF ASSOCIATION", BOSTON. 

[Incorporated 1876. Commenced business Jan. 13, 1871.] 

James T. Comee, President. George A. Walker, Secretary. 

Principal Office, Charity Building, Chardon Street. 

Income during 1883. 

For membership fees, $310 00 

annual dues, 1,189 50 

interest, 1,058 14 

rents and donations, -130 00 

all other items, . . 2,111 12 

Total income, $5,098 76 

Balance on hand Dec. 31, 1882, 25,240 75 

Total, $30,339 51 



1883.] BENEFICIARY ASSOCIATIONS. 219 



Disbursements during 1883. 

Cash paid for losses and claims (8 deaths), $5,800 00 

for sick benefits, . . . 3,375 00 

for salary of treasurer and clerk, 250 00 

for all other items, . . . 199 75 

Total disbursements, .... $0,624 75 



Balance, .7 $20,714 70 

Assets Dec. 31, 1883. 

Cash in office, $614 76 

mortgages, 14,600 00 

bonds 5,500 00 

Total amount of cash items, . . — __,__— $20,714 76 

Losses and Claims paid during the Year. 

Whole number of deaths, 8 

Whole amount paid the beneficiaries, . . . $5,4(0 00 

W T hole amount paid in sick benefits, 4l»0 00 



Total, $5,810 00 

Exhibit of Membership. 

Total present membership, ...... 572 

Whole number of certificates in force, .... 582 

Gross amount of benefits represented therein, . . . $572,000 00 



BRISTOL COUNTY MUTUAL AID SOCIETY, TAUNTON. 

[Incorporated June 13, 1881. Commenced business July, 1881.] 

Wm. II Fox, President. D. L. Mitchell, Secretary. 

Principal Office, 24 City Square, Taunton. 

Exhibit of Membership. 

Whole number of members, 40 

Number of certificates in force, 40 

Gross amount of benefits represented therein, . . . $8,800 00 



220 MUTUAL AID AND OTHER [Dec. 31, 



CAMBRIDGE BENEVOLENT ASSOCIATION, CAMBRIDGE. 

[Incorporated Jan. 22, 1881. Commenced business Jan. 22, 1881.] 

Edmund Miles, President. George Allen, Secretary. 

Income during 1883. 

For assessments, $271 20 

interest, 1 44 

Total income $272 64 

Balance on hand Dec. 31, 1882, 182 97 

Total, $455 61 

Disbursements during 1883. 

Cash paid for losses and claims (2 deaths), $255 00 
for salaries of officers and em- 
ployees, 8 00 

for all other expenses, . . 45 10 

Total disbursements, .... 308 10 



Balance, $147 51 



Assets Dec. 31, 1883. 

Cash in office, $14 51 

in bank, 133 00 

Total, , $147 51 



Exhibit of Membership. 

Total present membership, 112 

Amount of benefits represented therein, .... $12,544 00 



1883.] BENEFICIARY ASSOCIATIONS. 221 



CHELSEA MUTUAL BENEFIT ASSOCIATION, CHELSEA. 

[Incorporated Jan. 11, 1878. Commenced business Oct. 6, 1877.] 

Samuel P. Tenney, President. William H. Hart, Secretary. 

Office, 329 Broadway. 

Income during 1883. 

For membership fees, $630 00 

assessments, 9,867 00 

interest, . 39 53 

Total income, . $10,536 53 

Balance on hand Dec. 31, 1882, 822 93 

Total, . $11,359 46 

Disbursements during 1883. 
Cash paid for losses and claims (9 deaths), $9,190 00 
for salary and expenses of sec- 
retary, 897 00 

for printing, etc., . . . 185 15 

Cash returned to members, ... 2 00 

Total disbursement, .... 10,274 15 

Balance, $1,085 31 

Assets Dec. 31, 1883. 

Cash deposited in bank, $1,085 31 

Assessments due and unpaid, . . . $1,150 60 

Assessments not yet made, . . . 3,457 30 

Total, $4,607 90 

Liabilities. 

4 

Losses and claims unadjusted (4 deaths), . . . $4,189 CO 

Losses and Claims paid during the Year. 

Whole number of deaths, . 9 

Whole amount paid the beneficiaries, .... $9,190 00 

Exhibit of Membership. 

Total present membership, 1,050 

Whole number of certificates in force, .... 1,050 

Gross amount of benefits represented therein, . . . $2,102,500 00 
All in Massachusetts. 



222 



MUTUAL AID AND OTHER [Dec. 31, 



EASTERN ASSOCIATES, BOSTON. 

[Incorporated June 19, 1882. Commenced business Aug. 14, 1882.] 

John A. Cummings, President. H. A. Shorey, Secretary. 

Office, 31 Milk Street. 



Income during 1883. 



For membership fees, 

annual dues, . . . 

assessments, 

medical examiner's fees, 

assessment on capital stock, 

all other items, . 



Total income, 
Balance on hand Dec. 31, 1882, . 



Total, . 



$6,698 


00 


2,091 


00 


2,614 


87 


898 


00 


2,000 


00 


178 


56 


$14,480 43 


125 


00 



$14,605 43 



Disbursements during 1883. 



Cash paid for losses and claims (1 sick claim) , 


$1,500 00 




for compensation to agents, 


6,698 00 




for travelling expenses, 


294 35 




for medical examiner's fees, 


1,123 50 




for salaries of officers and em- 






ployees, 


2,935 00 




for rent, 


300 00 




for printing, postage, etc., 


514 71 




Total, 




13,365 56 






$1,239 87 



Assets Dec. 31, 1833. 
Cash deposits in savings bank, .... 



f 1,239 87 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



875 
875 

^2,374,000 00 
783 
783 

52,140,000 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



223 



EQUITABLE MUTUAL RELIEF SOCIETY OF MASSACHUSETTS, 

BOSTON. 

[Incorporated Feb. 21, 1881. Commenced business Feb. 24, 1881.] 

Oren S. Knapp, President. Charles S. Robertson, Secretary. 

Office, 131 Devonshire Street. 



Income during 1883. 

For membership fees, 

dues, 

assessments, 

medical examiner's fees, . 

all other items, . . ,..',. 

Total income, 

Balance on hand Dec. 31, 1882, 

Total, • . . . .... 



$1,486 00 


1,172 00 


2,540 


80 


236 


00 


5 


60 


$5,440 40 


120- 


99 



$5,561 39 



Disbursements during 1883. 



Cash paid for losses and claims (1 death), 
for commissions to agents, 
for salaries of officers and other 

employees, 
for medical examiner's fees, 
for all other items, 
Total disbursements, . . 



Balance, 



$2,000 00 
1,397 00 

589 00 
278 75 
568 70 



4,833 45 
$727 94 



Assets Dec. 31, 1883. 



Cash in principal office, 
deposits in bank, 
Total cash items, 
Agents 1 ledger balances, 
Furniture, etc., . 



$57 30 
670 64 

$120 00 
255 00 



$727 94 



Liabilities Dec. 31, 1883. 

For rent, office expenses, etc., . . » . 

for resisted death claim, . . . $5,000 00 



$100 00 



224 



MUTUAL AID AND OTHER [Dec. 31, 



Losses and Claims paid during the Year. 
Whole number of deaths, ....... 1 

Whole amount paid the beneficiaries, .... $2,000 00 



Exhibit of Membership. 
Total present membership, 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Number of certificates in force, . 
Gross amount of benefits represented therein, 



691 
691 

$2,597,000 00 
667 
667 

$2,519,000 00 



FRATERNAL AID ASSOCIATION, WORCESTER. 

[Incorporated April 5, 1881. Commenced business April 5, 1881.] 

Clark Jillson, President. E. H. Stearns, Secretary. 

Office, 492 Main Street, Worcester. 



Income during 1883. 

For membership fees, 

dues, 

assessments, 

medical examiner's fees, .... 



Total income, 
Balance on hand Dec. 31, 1882, . 



Total, 



$1,816 


61 


161 


00 


1,934 


26 


381 


00 


$4,292 87 


453 49 



t,746 36 



Disbursements during 1883. 

Cash paid for losses and claims (3 deaths), 
for compensation to agents, 
for commissions to officers, 
for medical examiner's fees, 
for rent, .... 
for advertising and printing, 
for all other items, 
Total disbursements, . 



Balance, 



$1,934 26 




1,105 10 




515 06 




381 00 




111 43 




138 00 




108 02 






4,292 87 






$453 49 



Assets Dec. 31, 1883. 



Cash deposited in bank, 



$453 49 



1883.] BENEFICIARY ASSOCIATIONS. 225 

Liabilities Dec. 31, 1883. 
Losses resisted by the company (1 claim), . . . $453 49 

Losses and Claims paid during the Year. 

Whole number of deaths, 3 

Whole amount paid the beneficiaries, .... $1,934 26 

Exhibit of Membership. 

Total present membership, 586 

Whole number of certificates in force, . . . . 586 

Gross amount of benefits represented therein, . . . $1,225,000 00 
All in Massachusetts. 



FRANKLIN MUTUAL BENEFIT ASSOCIATION, SALEM. 

[Incorporated Sept. 23, 1882. Commenced business Oct. 4, 1876.] 

Benjamin M. Perkins, President. Thomas J. Hutchinson, Secretary. 

Income during 1883. 

For membership fees, . $54 00 

assessments, 354 20 

interest, . ... . . . . . 7 44 

Total income, ... .... $415 64 

Balance on hand Dec. 31, 1882, 569 27 

Total, $984 91 

Disbursements during 1883. 

Cash paid for losses and claims (1 deaths), $329 00 
for salaries of officers and other 

employees, . • . . . 56 86 

for all other items, ... 65 05 

Total disbursements, .... 450 91 

Balance, $534 00 

Assets Dec. 31, 1883. 

Cash in principal office, .... $341 83 
deposited in bank, .... 192 17 
Total amount of cash items, . . $534 00 



226 MUTUAL AID AND OTHER [Dec. 31, 

Liabilities Dec. 31, 1883. 
Losses and claims in process of adjustment (1 death), . $303 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 1 

Whole amount paid the beneficiaries, .... $329 00 

Exhibit of Membership. 
Total present membership, . . . . . . 329 

Whole number of certificates in force, . . . . 329 

Gross amount of benefits represented therein, . . . $108 241 

All in Massachusetts. 



GLENMERE MUTUAL BENEFIT ASSOCIATION, LYNN. 

[Incorporated Aug. 10, 1882. Commenced business April 12, 1873.] 

James W. Hilliker, President. ^William R. Melden, Secretary. 

Income during 1883. 

For assessments, $9,602 80 

interest, 35 44 

Total income, $9,638 24 

Balance on hand Dec. 31, 1882, . . . . . 1,603 75 

» 

Total, $11,241 99 

Disbursements during 1883. 

Cash paid for losses and claims ( 10 deaths) , $8,583 00 
for compensation to officers and 

employees, .... 525 74 
for advertising and printing, . 119 87 
for postage, stationery, etc., . 110 84 
Total disbursements, . . . .' " 9,339 45 

Balance, $1,902 54 

Assets Dec. 31, 1883. 

Cash deposited in bank, $1,902 54 

Office furniture, ...... $165 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 10 

Whole amount paid the beneficiaries, .... $8,583 00 



1883.] BENEFICIARY ASSOCIATIONS. 227 



Exhibit of Membership. 

Total present membership, 830 

Whole number of certificates in force, .... 830 

Gross amount of benefits represented therein, . . . $688,900 00 
All in Massachusetts. 



HIGHLAND MUTUAL AID SOCIETY, BOSTON. 

[Incorporated July 17, 1882. Commenced business April 1, 1874.] 

James T. Matthews, President. Wm. Henry Clark, Secretary. 

Office, 827 Shawmut Avenue. 

Income during 1883. 

For membership fees, $84 00 

dues, . . . 378 10 

interest, 23 50 

From benefit at Oakland Garden, . . . . 444 46 



Total income, $930 06 

Balance on hand Dec. 31, 1882, 568 59 



Total, . . . . $1,498 65 

* Disbursements during 1883. 

Cash paid for sick benefits, . . . $566 00 

for printing, etc., . . . 86 92 

Total disbursements, .... >—«____ 552 92 



Balance, $845 73 

Assets Dec. 31, 1883. 

Cash in office, . $329 61 

in bank, 516 12 

Total, $845 73 

Exhibit of Membership. 

Total present membership, 130 

Whole number of certificates in force, .... 130 

Composed of the employees of the Highland Street Railway Com- 
pany. 



228 



MUTUAL AID AND OTHER [Dec. 31, 



HOME MUTUAL AID ASSOCIATION, BOSTON. 

[Incorporated April 30, 1880. Commenced business May 17, 1880.] 

Charles W. Sherburne, President. Horatio G. Nutter, Secretary. 
Office, 18 Post Office Square. 



Income during 1883 



For membership fees, 
dues, . 
assessments, 
interest, 

Total income, 
Balance on hand Dec. 31, 1882, 



Total, 



4,813 25 



Disbursements during 1883. 
Cash paid for losses and claims (19 deaths,) $81,000 00 
for compensation to agents, 
for salaries of officers and em- 
ployees, 
for rent, office furniture, taxes, etc. 
for advertising and printing, 
for postage and stationery, 
Total disbursements, .... 



4,483 


90 


951 


47 


1,272 


53 


727 


12 



Balance, 



Assets Dec. 31, 1883. 



Cash in principal office, 

deposited in banks, . 
Total amount of cash items, 
Agents 1 balances, 



M,475 89 
3,254 70 



Total, 



Liabilities Dec. 31, 1883. 

Losses and claims not yet due (1 death), .'..-..; 

Losses and claims for which assessment has not yet been 

made, . 



Total, 



Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 
Number of deaths in Massachusetts, .... 
Amount paid the beneficiaries, 



$6,337 00 

6,104 75 

78,138 60 

91 50 



,671 85 

7,537 81 



,209 66 



93,248 27 



$4,961 39 



$4,730 59 
230 80 

$4,961 39 



$2,000 00 

13,000 00 
$15,000 00 



19 

$81,000 00 

16 

$68,000 00 



1883.] BENEFICIARY ASSOCIATIONS. 229 



Exhibit of Membership. 

Total present-membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



2,138 
2,138 

),517,000 00 
1,933 
1,933 

5,635,000 00 



KINSLEY MUTUAL INSURANCE SOCIETY, CANTON. 

[Commenced business June 1, 1869.] 

Joseph Capper, President. W. H. Bense, Secretary 

Income during 1883. 

For assessments, 

interest, 

From all other sources, . 



$819 50 


4 


76 


1 


92 


$826 


18 


621 


39 



Total income, 

Balance on hand Dec. 31, 1882, 

Total, $1,447 57 

Disbursements during 1883. 

Cash paid for sick benefits, . . . $227 51 

Total assessments returned to members, . 505 25 
Cash paid for compensation of officers and 

employees, .... 75 00 

for blanks and printing, . . 15 55 

Total disbursements, .... 823 31 

Balance, $624 26 

Assets Dec. 31, 1883. 

Cash in office, $506 44 

in bank 117 82 

Total amount of cash items, . . $624 26 

Exhibit of Membership. 

Total present membership, 92 

Whole number of certificates, .92 

Gross amount of benefits represented therein, . . . $8,280 00 

All in Massachusetts. 



230 



MUTUAL AID AND OTHER [Dec. 31, 



LYNN MUTUAL BENEFIT ASSOCIATION, LYNN. 

[Incorporated Feb. 20, 1883. Commenced business Nov., 1869.] 

George T. Newhall, President. Charles E. Chase, Secret try. 

Office, 144 Union Street, Lynn. 



Income during 1883. 



For membership fees, 
assessments, 
interest, 



Total income, . . * 
Balance on hand, Dec. 31 1882, . 



Total, 



$38 20 

8,198 10 

45 60 



$8,281 90 
1,067 51 



1,349 41 



Disbursements during 1883. 

$7,481 00 



Cash paid for losses and claims (8 deaths), 
for salaries of officers and em- 
ployees, . . ... 
for all other items, 
Total disbursements, . 



459 86 
168 75 



8,109 61 



Balance, 



$1,239 80 



Assets Dec. 31, 1883. 



Cash deposited in bank, 



.,239 80 



Losses and Claims paid during the Year. 

Whole number of deaths, 8 

Whole amount paid the beneficiaries, .... $7,481 00 

Number of deaths in Massachusetts, .... 7 

Amount paid the beneficiaries, - $6,557 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



931 
931 

$866,761 00 
895 
895 

$801,025 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



231 



MALDEN MUTUAL BENEFIT ASSOCIATION, MALDEN. 

[Incorporated Dec. 17, 1880. Commenced business Dec. 17, 1880.] 

James Pierce, President. W. A. Carey, Jr , Secretary. 



Income during 1883. 



For membership fees, 
for assessments, . 
interest and reinstatements, 



Total income, 
Balance on hand Dec. 31, 1882, . 



Total, 



$44 


00 


5,353 


70 


70 


71 


$5,468 


41 


1,839 


01 



\307 42 



Disbursements during 1883. 

$5,444 00 



Cash paid for losses and claims (8 deaths), 
for compensation of officers and 

employees, . 
for all other items, 
Total disbursements, . . . . 



Balance, 



258 32 
74 04 



5,776 36 



.,531 06 



Assets Dec. 31, 1883. 



Cash deposited in bank, 
in office, 
Total, . . . 



,490 41 
40 65 



,531 C6 



Losses and Claims paid during the Year. 

Whole number of deaths, 8 

Whole amount paid the beneficiaries, .... $ 5,444 00 

Number of deaths in Massachusetts, .... 8 

Amount paid the beneficiaries, ...... $5,444 00 



Exhibit of Membership. 

Total present membership, . . . 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Number of certificates in force, 
Gross amount of benefits represented therein, 



684 
684 

$467,172 00 
661 
661 

$451,463 00 



232 



MUTUAL AID AND OTHER [Dec. 31, 



MASSACHUSETTS BENEFIT ASSOCIATION, BOSTON. 

[Incorporated Feb. 8, 1878. Commenced business, Oct. 13, 1879 ] 

Wm. A. Simmons, President. Geo. A. Litchfield, Secretary. 

Office, Tremont Temple. 



Income during 1883. 



For membership fees, 
annual clues, 
assessments, 
medical examiner's fees, 
interest, . 
all other items, . 

Total income, . . . 
Balance on hand Dec. 31, 1832, . 



Total, 



Disbursements during 1883 



Cash paid for losses and claims (55 deaths) , 
for commissions to agents, 
for travelling expenses, 
for medical examiner's fees, 
for salaries of officers and em 

ployees, .... 
for rent and taxes, 
Cash advanced to agents, . 

paid for advertising, blanks and 
printing, 
for all other items, . 
Total disbursements, . 



$191,000 00 

53,227 85 

134 05 

5,457 22 

4,355 90 
549 98 
762 45 

3,430 49 
2,901 63 



),385 40 

27,230 00 

220,316 75 

4,490 00 

677 90 

51 25 

$292,151 30 
39,206 97 

$331,358 27 



261,819 57 



Balance, $69,538 70 



Assets Dec. 31, 1883. 



Cash in office, 

deposited in bank, 
Total cash items, 
Agents 1 balances, 



$184 41 
68,199 59 



Total. 



,384 00 
1,154 70 

,538 70 



Liabilities Dec. 31, 1883. 

Losses in process of adjustment (7 deaths), 
Losses and claims resisted (3 deaths), 



f23,000 00 
15,000 00 



1883.] BENEFICIARY ASSOCIATIONS. 233 



Losses and Claims paid during the Year. 

Whole number of deaths, 55 

Whole amount paid the beneficiaries, .... $191,000 00 

Number of deaths in Massachusetts, .... 41 

Amount paid the beneficiaries, $139,500 00 

Exhibit of Membership. 

Total present membership, 8,546 

Whole number of certificates in force, .... 9,083 

Gross amount of benefits represented therein, . . $35,058,000 00 

Total present membership in Massachusetts, . . . 6,370 

Number of certificates in force, 6,771 

Gross amount of benefits represented therein, . . . $25,555,000 00 



MASSACHUSETTS LIFE ASSOCIATION, BOSTON. 

[Incorporated June 22, 1881. Commenced business July 2, 1881.] 

B. S. Price, President. T. Harlan Breed, Secretary. 

Office, 209 Washington Street. 



Income during 1883. 

For membership fees, 

annual dues, 

medical examiner's fees, .... 
capital stock subscription, . . 



$581 


00 


940 


00 


194 


00 


401 


48 



Total income, . $2,116 48 

Disbursements during 1883. 

Cash paid for compensation to agents, . $175 00 

for medical examiner's fees, . 194 00 
for compensation to officers and 

employees, .... 942 61 

for all other items, . . . 682 37 

Total disbursements, .... 1,993 98 



Balance, $122 50 

Assets Dec. 31, 1883. 

Cash in principal office, $122 50 

Notes receivable, $1,790 00 



234 



MUTUAL AID AND OTHER [Dec. 31, 



Liabilities Dec. 31, 1883. 
Amount due for salaries, rent, borrowed money, etc., 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



$1,383 69 



276 

276 

$1,324,000 00 

237 

237 

$1,119,000 00 



MASSACHUSETTS MUTUAL AID SOCIETY, FITCHBURG. 

[Incorporated Feb. 17, 1879. Commenced business March 27, 1879.] 

Henry A. Willis, President. Festus C. Currier, Secretary. 

Office, 210 Main Street, Fitchburg. 



Income during 1883. 



For membership fees," 
assessments, 
interest, 



Total income, 
Balance on hand Dec. 3, 1882, . 

Total, 



$2,072 

28,371 

116 


50 
25 
19 


$30,559 
4,382 


94 
97 



,942 91 



Disbursements during 

Cash paid for losses and claims (17 deaths), 

for compensation to agents, 

for expenses of committee on 

applications, .... 

for travelling expenses of agents 

and managers, 
for medical examiner's fees, 
for salaries of officers and em- 
ployees, 

for advertising and printing, 
for expense of collecting as- 
sessments, 
for all other items, 
Total disbursements, .... 



1883. 

$26,514 00 

1,085 75 

45 00 



117 


75 


205 


00 


375 


00 


246 


45 


1,077 


73 


51 


77 



29,718 45 



Balance, 



$5,224 46 



1883.] BENEFICIARY ASSOCIATIONS. 



235 



Assets Dec. 31, 1883. 
Cash deposited in banks, 



$5,224 46 



Liabilities Dec. 31, 1883. 
Losses and claims resisted (1 death, 3 certificates), . 



$2,778 00 



Losses and Claims paid during the Year. 

Whole number of deaths, 17 

Whole amount paid the beneficiaries, .... $26,514 00 

Number of deaths in Massachusetts, 13 

Amount paid the beneficiaries, $16,514 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



2,175 
2,344 

14,756,000 00 
1,903 
2,050 

$3,863,000 00 



MASSACHUSETTS SAFETY FUND ASSOCIATION, BOSTON. 

[Incorporated July 30, 1880. Reorganized Dec. 19, 1881.] 

Rufus G. F. Candage, President. E. E. Burdon, Secretary. 

Office, 31 Milk Street, Boston. 



Income during 1883. 

For membership fees, 
annual dues, 
assessments, 
medical examiner's fees, 
interest, 
safety fund deposit, 

Total income, 
Balance on hand Dec. 31, 1882, 



$10,205 00 

9,752 80 

14,060 14 

1,239 00 

145 07 

8,669 99 

$44,072 00 
1,623 99 



Total, 



t5,695 99 



236 



MUTUAL AID AND OTHER [Dec. 31, 



Disbursements during 1883. 

Cash paid for losses and claims (7 deaths), 

for commissions and fees to 
agents, 

for salaries and travelling ex- 
penses to agents and man- 
agers, 

for medical examiner's fees, 

for salaries of officers and em- 
ployees, . 

for rent, 

for advertising and printing, 

for all other items, 
Total disbursements, . 



$8,233 00 


10,205 


00 


3,768 


31 


1,765 


00 


2,605 


00 


334 99 


598 


80 


1,842 


12 



$29,352 22 



Balance, 



,343 77 



Assets Dec. 31, 1883. 

Cash in office, . . • . . . . $77 58 

deposited in bank for safety fund, . 10,405 64 
deposited in bank for assessment 

fund 5,860 55 

Total amount of cash items, . . 

Claims not yet assessed, .... $19,000 00 

Assessments due and unpaid, . . . 822 97 

Annual dues unpaid, 82 75 



Total due from members, . 



$19,905 72 



,343 77 



Liabilities Dec. 31, 1883. 



Claims in process of adjustment (3 deaths), 
not yet assessed (3 deaths), . 
resisted (5 deaths), 

Rents and office expenses, .... 
Total, . . . ... 



$6,000 00 

9,000 00 

10,000 00 

279 45 



25,279 45 



Losses and Claims paid during the Year. 

Whole number of deaths, 7 

Whole amount paid the beneficiaries, .... $8,233 00 



Exhibit of Membership. 

Total present membership, .... 
Whole number of certificates in force, 
Gross amount of benefits represented therein, . 
All in Massachusetts. 



1,828 

3,659 

$3,659,000 00 



1883.] BENEFICIARY ASSOCIATIONS. 237 



MASSACHUSETTS STATE FIREMEN'S BENEFIT ASSOCIATION, 

BOSTON. 

[Incorporated May 10, 1883. Commenced business June .1, 1883.] 

John S. Damrell, President. H. H. Esterbrook, Secretary, 

Office, 4 Exchange Place. 

Income during 1883. 

For membership fees, $16 00 

assessments, 23 38 

Total income, . . $39 38 

Assets Dec. 31, 1883. 
Cash in office, . $39 38 

Exhibit of Membership. 

Total present membership, 8 

Whole number of certificates in force, .... 8 

Gross amount of benefits represented therein, . . . $18,000 00 



MECHANICS' MUTUAL AID SOCIETY, BOSTON. 

[Incorporated Jan. 3, 1842. Commenced business December, 1841.] 

Willtam B. Welch, President. John S. Welch, Secretary. 

Office, Sherman House. 

Income during 1883. 

For membership fees, $30 00 

annual dues, 382 00 

Total income, $412 00 

Balance on hand Dec. 31, 1882, 2,364 29 

Total, $2,776 29 

Disbursements during the Year. 

Cash paid for losses and claims (sick bene- 
fits), $281 03 

for compensation of officers and 

employees, .... 30 00 

for all other items, ... 94 20 

Total disbursements, . . . ' . 405 23 

Balance, $2,371 06 



238 MUTUAL AID AND OTHER [Dec. 31, 

Assets Dec. 31, 1883. 
Cash in principal office, .... $102 13 

deposited in bank, . . . . 2,268 93 

Total, ....... _._ $2,371 06 

Exhibit of Membership. 

Total present membership, 84 

Gross amount of benefits represented therein, . . . $8,400 00 

All in Massachusetts. 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION, BOSTON. 

[Incorporated Jan. 4, 1881. Commenced business Jan. 24, 1881.] 

Chas. W. Sherburne, President. Horatio G. Nutter, Secretary. 

Principal Office, 18 Post Office Square. 

Income during 1883. 

For membership fees, ....... $2,107 00 

annual dues, . . . . . . ' . . 465 25 

assessments, . 3,884 00 

Total income $6,456 25 

Balance on hand Dec. 31, 1882, 252 14 



Total, $6,708 39 

Disbursements during 1883. 

Cash paid for losses and claims (61 acci- 
dents), $3,684 40 

for compensation to agents, . 1,503 50 
for medical examiner's fees, . 87 60 
for salaries of officers and em- 
ployees, . . . . . 200 00 
for advertising and printing, . 372 30 
for rent, postage, stationery, etc., 326 14 
Total disbursements, .... 6,173 94 

Balance, . . $534 45 

Assets Dec. 31, 1883. 

Ca h in principal office, .... $243 34 
deposited in bank, . . . . 291 11 
Total cash items, .... $534 45 

Losses and Claims paid during the Year. 
Cish paid for losses and claims (61 accidents), . . $3,684 00 



1883.] BENEFICIARY ASSOCIATIONS. 



239 



Exhibit of Membership. 

Total present membership, 1,048 

Whole number of certificates in force, .... 1,048 

Gross amount of death benefits represented therein, . $4,309,000 00 

Total present membership in Massachusetts, . . . 990 

Number of certificates in force, 990 

Gross amount of death benefits represented therein, . $4,050,000 00 



MERCHANT'S AND SALESMAN'S BENEFIT ASSOCIATION, 

BOSTON. 

[Incorporated May 12, 1883. Commenced business June 4, 1883.] 

Charles W. Baldwin, President. Henry A. Bates, Secretary. 

Office, 28 Temple Place. 

Income during 1883. 
For membership fees, 



annual dues, 

medical examiner's fees, 



Total income, 
Capital stock (subscribed), 



$1,667 


00 


455 


50 


170 


00 


$2,292 


50 


5,000 


00 



Disbursements during 


1883. 




®li<ZV^ o\j 


Cash paid for compensation to agents, 


$1,627 00 




for medical examiner's fees, 


170 


00 




for salaries of officers and em- 








ployees, 


1,980 


00 




for rent, 


298- 


65 




for advertising, etc., . 


157 


40 




for all other items, . 


517 


30 




Total disbursements 






4,750 35 




t 




Balance, 


$2,542 15 


Assets Dec. 31, 1883 


. 






Amount of capital stock due, .... 


• 


• 


$2,542 15 


Exhibit op Membership. 






Total present membership, 






170 


Whole number of certificates in force, 






170 


Gross amount of benefits represented therein, 






$824,000 00 


Total present membership in Massachusetts, 






150 


Number of certificates in force, 






150 


Gross amount of benefits represented therein, 






$650,000 00 



240 MUTUAL AID AND OTHER [Dec. 31, 



METHODIST MINISTERS' RELIEF ASSOCIATION, BOSTON. 

[Incorporated May 1, 1878. Commenced business June 5, 1878.] 

Daniel Dorchester, President. Jos. H. Mansfield, Secretary. 

Office, 38 Bromfield Street. 

Income during the Year ending Feb. 29, 1884. 

For membership fees, . . . ... . $593 75 

assessments, . . 5,909 27 

interest, 44 62 

Total income, $6,547 64 

Balance on hand Feb. 28, 1883, 1,659 65 

Total, $8,207 29 

Disbursements during the Year ending Feb. 29, 1884. 

Cash paid for losses and claims (4 deaths), $5,909 27 
for compensation of officers and 

employees, .... 275 00 
for all other items, . . . 106 82 
Total disbursements, .... ■ 6,291 09 

Balance, $1,916 20 

Assets Feb. 29, 1884. 

Cash in principal office, . . . . $451 19 
deposited in bank, .... 1,465 01 
Total, . • |1,916 20 

Liabilities Feb. 29, 1884. 
Cash due for rent, salaries and office expenses, . . $451 19 

Losses and Claims paid during the Year. 

Whole number of deaths, 4 

Whole amount, paid the beneficiaries, .... $5,909" 27 

Exhibit op Membership. 

Total present membership, 628 

Whole number of certificates in force, . . . . 1,162 

Gross amount of benefits represented therein, . . . $1,162,000 00 

Total present membership in Massachusetts (estimated), 135 

Number of certificates in force, 

Gross amount of benefits represented therein, . . . $234,000 00 



1883.] BENEFICIARY ASSOCIATIONS. 241 



MIDDLESEX AND WORCESTER FARMERS 1 AND MECHANICS 1 
ASSOCIATION, HUDSON. 

[Incorporated March 15, 1876. Commenced business April 10, 1876.] 

Frederick S. Dawes, President. Josiah S. Welsh, Secretary. 

Income during 1883. 

For membership fees, $280 00 

assessments, 2,842 40 

interest, ......... 44 70 

Total income, $3,167 10 

Balance on hand Nof. 14, 1882, . • 1,095 75 

Total, . $4,262 85 

Disbursements, 1883. 

Cash paid for losses and claims (5 deaths), $2,625 00 
for compensation to officers and 

employees, .... 213 77 
for rent, . . . . . 125 00 
for all other items, ... 98 65 
Total disbursements, .... 3,062 42 

Balance, $1,200 43 

Assets Dec. 31, 1883. 

Cash in office, $3 83 

deposited in bank, .... 1,196 60 

Total amount of cash items, . . $1,200 43 

Interest due and accrued, .... $32 02 

Office furniture, etc., 150 00 

Total $182 02 

Liabilities Dec. 31, 1883. 
Office rent, ... $15 00 

Losses and Claims paid during the Year. 
Whole number of deaths, ....... 5 

Whole amount paid the beneficiaries, . . . . $2,625 00 

Exhibit of Membership. 

Total present membership, 540 

Whole number of certificates in force, .... 540 

Gross amount of benefits represented therein, . . . $291,600 00 
Does business only in Massachusetts. 



242 MUTUAL AID AND OTHER [Dec. 31, 



MILFORD MUTUAL RELIEF ASSOCIATION, MILFORD. 

[Incorporated Aug. 4, 1881. Commenced business Nov. 22, 1870.] 

Albert C. Withington, Pres. Alexander T. Wilkinson, Sec. 

Income during 1883. 

For membership fees, $53 00 

assessments, 4,264 00 

interest, 36 

Total income . . . $4,317 36 

Balance on hand Dec. 3] , 1882, . . . . . ' . 676 46 

Total, . $4,993 82 

Disbursements during 1883. 

Cash paid for losses and claims (10 deaths), $4,544 00 
for salaries of officers and em- 
ployees, 41 86 

for rent, stationery, etc., . 62 89 
Total disbursements, .... 4,648 75 

Balance, . $345 07 

Assets Dec. 31, 1883. 

0ash in principal office, .... $75 76 

deposited in bank, .... 269 31 

Total amount of cash items, . . $345 07 

Assessments due and unpaid, . $252 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 10 

Whole amount paid the beneficiaries, .... $4,544 00 

Exhibit of Membership. 

Total present membership, . . . . 450 

Whole number of certificates in force, .... 450 

Gross amount of benefits represented therein, . . . $202,500 00 
Does business only in Massachusetts, 



1883.] 



BENEFICIARY ASSOCIATIONS. 



243 



MUTUAL PROVIDENT ASSOCIATION, BOSTON. 

[Incorporated March 25, 1881. Commenced business April 22, 1881.] 

Thomas W. Bicknell, President. David Bentley, Secretary. 

Office, 16 Hawley Street 



Income during 1883. 



For membership fees, 
annual dues, 
medical examinees fees, 



Total income, 



$2,249 00 
542 00 
415 00 



1,206 00 



Disbursements during 1883. 

$1,458 50 



Cash paid for compensation to agents, 

for salaries and other expenses 
of officers and employees, . 
for medical examiner's fees, 
for all other items, 
Total disbursements, . . 



1,074 12 
415 00 
258 38 



$3,206 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, . 

Gross amount of benefits represented therein, 



519 
519 

1,271,500 00 

355 

• 355 

$929,000 00 



244 MUTUAL AID AND OTHER [Dec. 31, 



$25 03 


862 


49 


39 


77 


$927 


29 


485 


96 



MUTUAL RELIEF ASSOCIATION, SPRINGFIELD. 

[Incorporated Jan. 3, 1878. Commenced business Jan. 3, 1878.] 

C. J. Sanderson, President. George A. Hill, Secretary. 

Income during 1883. 

For membership fees, 

assessments, 

From all other sources, 

Total income, . 

Balance on hand Dec. 31, 1882, 

Total, $1,413 25 



Disbursements during 1883. 

Cash paid for losses and claims (1 death), 
for salary of secretary, 
for advertising, printing etc., . 
Total disbursements, .... 

Balance, $888 70 



Assets Dec. 31, 1883. 

Cash in office, $443 03 

deposited in bank, .... 445 67 

Total, . $888 70 

No return made of the membership. 



$241 00 




200 00 




83 55 






524 55 





1883.] BENEFICIARY ASSOCIATIONS. 245 



NEW ENGLAND COMMERCIAL TRAVELERS' ASSOCIATION, 

BOSTON. 

[Incorporated Oct. 15, 1877. Commenced business January, 1877. J 

Charles Richardson, President George B. Kerr, Secretary. 

Office, 177 Devonshire Street. 

Income for Year ending Nov. 30, 1883. 

For membership fees, $1,460 00 

annual dues, ........ 1,372 00 

assessments, 15,214 00 

interest and all other items, 123 35 

Total income, $18,169 35 

Balance on hand Nov. 30, 1882, 3,504 45 

Total, $21,673 80 

Disbursements for the Year ending Nov. 30, 1883. 

Cash paid for losses and claims (6 deaths), $15,266 00 
for medical examiner's fees, . 25 50 
for salaries of officers and em- 
ployees, 1,148 38 

for all other expenses, . . 625 01 

Total, 17,064 89 

Balance on hand Nov. 30, 1883, $4,608 91 

Assets Nov. 30, 1883. 

Cash in principal office, . . . . $124 40 

deposited in bank, .... 4,484 51 

Total amount of cash items, . . $4,608 91 

Furniture and fixtures (about) , $75 00 

Losses and Claims paid during the Year. 

Whole number of deaths, q 

Whole amount paid the beneficiaries, .... $15,266 00 
Number of deaths in Massachusetts, .... 5 

Amount paid the beneficiaries, $13,066 00 

Exhibit of Membership. 

Total present membership, 1 399 

Whole number of certificates in force, .... 1,399 

Gross amount of benefits represented therein, . . . $3,914,402 00 



246 



MUTUAL AID AND OTHER [Dec. 31, 



NEW ENGLAND MUTUAL AID SOCIETY, NEW BEDFORD. 

[Incorporated July 11, 1877. Commenced business May, 1878.] 

Augustus P. Martin, President. Benjamin F. Dyer, Secretary. 

Office, 31 Milk Street, Boston. 



Income during 1883. 



For membership fees, 
annual dues, 
assessments, 
medical examiner's fees, 
interest, .... 
assessments paid in advance, 
all other items, . 

Total income, 
Balance on hand Dec. 31, 1882, 

Total, . 



$8,735 00 

10,544 30 

163,766 07 

1,684 00 

566 36 

1,180 38 

37 75 

$186,513 86 
18,730 68 

$205,244 54 



Disbursements during 1883. 



Cash paid for losses and claims (62 deaths), 


$162,001 20 




for compensation to agents, 


7,154 06 




for travelling expenses, 


567 27 




for medical examiner's fees, 


1,684 00 




for salaries of officers and em- 






ployees, 


8,053 77 




for rent, 


1,299 96 




for advertising, .... 


233 30 




for postage, collection expenses, 






etc., 


2,792 38 




Amount of advance assessment, 


1,019 23 




Total disbursements, .... 




184,805 17 


- 




$20,439 37 



Assets Dec. 31, 1883. 
Cash in principal office, .... $130 31 



deposited in bank, 
Total cash items, 
United States bonds, . 



18,760 31 



$18,890 62 
1,548 75 



Total cash assets (as per balance), 



$20,439 37 



1883.] 



BENEFICIARY ASSOCIATIONS, 



247 



Claims not yet assessed, 
Assessments due and unpaid, 
Value of bonds over cost, . 
Office furniture, . 

Total, , 



$23,747 00 

4,150 00 

200 00 

490 19 

$28,587 19 



Liabilities Dec. 31, 1883. 

$13,451 00 

12,985 00 



Adjustable losses and claims not yet due, . 
Losses and claims admitted upon which no 

assessment has been made, . 
Losses and claims resisted upon which no 

assessment has been made, 

Total liabilities, 



10,700 00 



$37,136 00 



Losses and Claims paid during the Year. 

Whole number of deaths, . 62 

Whole amount paid the beneficiaries, .... $162,001 20 

Number of deaths in Massachusetts, 51 

Amount paid the beneficiaries, . . . . ■ . . $131,791 33 



Exhibit of Membership. 



Total present membership, . . 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Number of certificates in force, 
Gross amount of benefits represented therein, 



4,586 
4,586 

$18,652,000 00 
3,850 
3,850 

$15,503,000 00 



248 MUTUAL AID AND OTHER [Dec. 3L 



NEW ENGLAND RAILWAY PASSENGER CONDUCTORS' 
BENEVOLENT ASSOCIATION. 

[Incorporated Nov. 6, 1882. Commenced business, 1876.] 

H. E. Paine, President. Charles E. Dyer, Secretary. 

Office, 48 Perkins Street, Charlestown. 

Income during 1883. 

For membership fees, . . . . . . . $66 00 

assessments, . 10,660 00 

interest and back clues, 15 7-4 



Total income, $10,741 74 

Balance on hand Dec. 31, 1882, 626 55 



Total, $11,368 29 

Disbursements during 1883. 

Cash paid for losses and claims (6 deaths), $9,650 00 
« for compensation of officers and 

employees, . . . . 225 00 

for all other items, . . . 79 90 

Total disbursements, .... 9,954 90 



Balance, $1,413 39 

Assets Dec. 31, 1883. 

Cash in principal office, . . . . $1 00 

deposited in bank, . . . . 1,412 39 

Total cash items, $1,413 39 

Assessments due and unpaid, . . . $1,625 00 

Liabilities Dec. 31, 1883. 
Losses due and unpaid (1 death), $1,625 00 

Losses and Claims paid during the Year. 

Whole number of deaths (all in Massachusetts), . .6 

Whole amount paid the beneficiaries, .... $9,650 00 

Exhibit op Membership. 

Total present membership, 326 

Gross amount of benefits represented therein, . . . $531,380 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



249 



NEW ENGLAND RELIEF ASSOCIATION, BOSTON. 

[Incorporated July 6, 1881. Commenced business July 16, 1881.] 

Stillman B. Allen, President. Joseph A. Torrey, Secretary. 

Office, 31 Milk Street. 

Income during 1883. 

For membership fees, 

dues, 

assessments, 

medieal examiner's fees, 



Total income, 
Balance on hand Dec. 31, 1882, 



Total, 



$2,296 25 
6,853 37 

44,164 89 
1,827 00 



Disbursements during 1883. 
Cash paid for losses and claims (14 deaths), $13,000 00 
for compensation to agents, . 2,336 97 
for salaries of officers and em- 
ployees, ..... 3,304 00 
for medical examiner's fees, . 2,243 25 
for rent, advertising, postage, etc., 2,892 39 
Total disbursements, . . . . 

Balance, . . . . . . . 

Assets Dec. 31, 1883. 
Cash in principal office, . . . . $15 92 
deposited in bank, .... 1,388 71 
Total amount of cash items, . . 

Liabilities Dec. 31, 1883. 
Losses and claims not yet assessed, 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Amount paid the beneficiaries, 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



$55,141 51 
39 73 



,181 24 



53,776 61 



,404 63 



$1,404 63 
$9,000 00 



14 

$43,000 00 



3,309 
3,309 

$10,151,000 00 
3,309 
3,309 

$10,151,000 00 



250 MUTUAL AID AND OTHER [Dec. 31, 



PEABODY MUTUAL BENEFIT ASSOCIATION, PEABODY. 

[Incorporated Jan 26, 1883. Commenced business April 1, 1880] 

Charles Cassidy, President. James H. Thomas, Secretary. 

Income during 1883. 

For membership fees, 

assessments, . . . ... 

interest, 

Total income, 

Balance on hand Dec. 31, 1882, 

Total, . . . . . . . . . . $ 1,239 43 

Disbursements during 1883. 

Cash paid for losses and claims (5 deaths), $919 00 
for salaries of officers and em- 
ployees, 60 45 

for all other items of expense, . 51 70 

Total disbursements, . . . . 1,031 15 



$24 


00 


1,011 


85 


12 


26 


1 1,048 


11 


191 


32 



Balance, $208 28 

Assets Dec 31, 1883. 
Cash deposited in bank, $208 28 

Liabilities Dec. 31, 1883. 

Losses and claims resisted on which no assessment has 

been made . ■ . . . $203 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 5 

Whole amount paid the beneficiaries, .... $919 00 

Exhibit of Membership. 

Total present membership, 143 

Whole number of certificates in force, .... 143 

Gross amount of benefits represented therein, . . . $20,449 00 
Does business only in Massachusetts. 



1883.] 



BENEFICIARY ASSOCIATIONS. 



251 



PEOPLE'S BENEFIT ASSOCIATION, BOSTON. 

[Incorporated April 26, 1883. Commenced business May 5, 1883.] 

I. G. Getchell, President. R. J. Murray, Secretary. 

Office, Transcript Building. 



Income during 1883. 



For membership fees, . 
annual dues, 



Total income, 



$7,398 00 
821 25 

$8,219 25 



Disbursements during 1883. 



Cash paid for losses and claims (9 sick 




claims), .... 


$230 00 


for compensation to agents, 


4,798 00 


for commissions to officers and 




directors, . . . 


55 90 


for travelling expenses, . 


580 77 


for salaries of officers and em- 




ployees, 


877 39 


for rent and commuted com- 




missions, .... 


347 06 


in advance to agents, 


643 75 


for advertising, postage, etc., . 


402 36 


Total disbursements, .... 







7,935 23 



$284 02 



Assets Dec. 31, 1883. 



Cash in office, 



Losses and Claims paid during the Year. 

Whole number of claims (sick benefits), . ' . 

Whole amount paid the beneficiaries, .... 



$284 02 



9 

$230 00 



Exhibit of Membership. 

Total present membership, . . . 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Number of certificates in force, . 
Gross amount of benefits represented therein, 



661 
661 

$1,295,000 00 
581 
581 

$1,161,500 00 



252 MUTUAL AID AND OTHER [Dec. 31, 

PLYMOUTH MUTUAL BENEFIT ASSOCIATION, PLYMOUTH. 

[Incorporated March 22, 1883. Commenced business May, 1883.] 

Thomas S. Diman, President. Harry O. Barnes, Secretary. 

Income during 1883. 

For membership fees, . 

annual dues, 

Total income, . 

Balance on hand before incorporation, . - . 

Total, $293 88 



Disbursements during 1883. 

Cash paid for losses and claims (sick bene- 
fits), $80 00 

for rent and printing, . . 21 50 
Total disbursements, .... •. 101 50 



$25 


50 


168 


38 


$193 88 


100 


00 



Balance, $192 38 



Assets Dec. 31, 1883. 

Cash in office $92 38 

deposited in bank, .... 100 00 

Total amount of cash items, . . $192 38 



Exhibit of Membership. 

Total present membership, 72 

Whole number of certificates in force, ..... 72 

Does business only in Massachusetts. 



1883.] BENEFICIARY ASSOCIATIONS. 253 



SAGAMORE MUTUAL BENEFIT ASSOCIATION, LYNN. 

[Incorporated Jan. 5, 1883. Commenced business Aug. 20, 1873. J 

E. K. Fogg, President. Henry H. Green, Secretary. 

Office, 119 Union Street, Lynn. 

Income during 1883. 

For membership fees, |55 00 

assessments, 10,264 10 

interest and reinstatement of members, ... 44 16 

Total income, 810,363 26 

Balance on hand Dec. 31, 1882, 2,082 45 

Total 312,445 71 

Disbursements during 1883. 

Cash paid for losses and claims (10 deaths), $10,366 00 
for compensation of officers and 

employees, .... 561 71 

for printing, stationery, etc., . 196 24 

Total disbursements, .... 11,123 95 

Balance, 81,321 76 

Assets Dec. 31, 1883. 

Cash deposited in bank, §1,315 70 

Balance (deficit) unaccounted for, .... 6 06 

Losses and Claims paid during the Year. 

Whole number of deaths, 10 

Whole amount paid the beneficiaries, .... §10,366 00 

Exhibit of Membership. 

Total present membership, 1,050 

Whole number of certificates in force, .... 1,050 

Gross amount of benefits represented therein, . . . § 1,102,500 00 
All in Massachusetts. 



254 



MUTUAL AID AND OTHER [Dec. 31, 



SALEM MUTUAL BENEFIT ASSOCIATION, SALEM. 

[Incorporated April 11, 1882. Commenced business April 9, 1873.] 

John M. Raymond, President. Thomas J. Hutchinson, Secretary. 
Office, 237 Washington Street, Salem. 

Income during 1883. 

For membership fees, $64 00 

assessments, 7,452 30 

medical examiner's fees, ...... 32 00 

interest, 39 52 

Total income, ■ . $7,587 82 

Balance on Dec. 31, 1882, 1,146 74 

Total, . . $8,734 56 

Disbursements during 1883. 

Cash paid for losses and claims (7 deaths), $6,813 00 

for medical examiner's fees, . 32 00 
for compensation of officers and 

employees, .... 475 81 

for all other items, . . . 201 89 

Total disbursements, .... 7,522 70 

Balance, $1,211 86 

Assets Dec. 31, 1883. 
Cash deposits in banks, $1,211 86 

Liabilities Dec. 31, 1883. 
Losses and claims in process of adjustment, . . . $968 00 

Losses and Claims paid during the Year. 

Whole number of deaths, ........ 7 

Whole amount paid the beneficiaries, .... f 6,813 00 

Exhibit of Membership. 

Total present membership, 971 

Whole number of certificates in force, .... 971 

Gross amount of benefits represented therein, . . . $942,841 00 
Does business only in Massachusetts. 



1883.] BENEFICIARY ASSOCIATIONS. 255 



SOMERVILLE POLICE RELIEF ASSOCIATION, SOMERVILLE. 

[Incorporated Jan. 24, 1882. Commenced business March, 1872.] 

Robert R. Perry, President. Samuel R. Dow, Secretary. 

Office, Police Building, Somerville. 

Income during 1883. 

For interest, 

donations, 

From annual ball, . . . 

Total income, 

Balance on hand Dec. 31, 1882, 

Total, $3,434 64 



Disbursements during 1883. 

Cash paid for losses and claims, . . f 338 05 

for salary of clerk, ... 35 00 

for rent, 15 00 

Total disbursements, .... 388 05 



$139 39 


35 


00 


590 


10 


$764 49 


2,670 


15 



Balance, $3,046 59 



Assets Dec. 31, 1883. 

Cash in office, $86 16 

invested in bonds, .... 400 00 

deposited in bank, .... 2,560 43 

Total cash items, .... $3,046 59 



Exhibit of Membership. 

Total present membership, 21 

Gross amount of benefits represented therein, . . . $8,400 00 



256 



MUTUAL AID AND OTHER [Dec. 31, 



UNION BENEVOLENT SOCIETY OF NEW ENGLAND, 

BOSTON. 

[Incorporated March 3, 1882% Commenced business March 3, 1882.] 

Thomas Moore, President. Owen W. Rice, Secretary. 

Office, 96 Elm Street, Charlestown. 



Income during 1883. 

For membership fees, 

Balance on hand Dec. 31, 1882, . . . . 



Total, . 



Disbursements during 1883. 
Cash paid for losses and claims (5 deaths), 

Exhibit of Membership. 
Total present membership, .... 
Whole number of certificates in force, 
Gross amount of benefits represented therein, . 



$97 00 


43 00 


$140 00 


$140 00 


39 


39 


$1,521 00 



UNION MUTUAL BENEFIT ASSOCIATION, BOSTON. 

[Incorporated Dec. 24, 1879. Commenced Jan. 9, 1880.] 

N. T. Merritt, President. Charles R. Folsom, Secretary. 

Office, 85 Devonshire Street. 



Income during 1883 
For membership fees, . . . . 
dues, . 

assessments, .... 
assessments paid in advance, 
interest, 

Total income, .... 
Balance on hand Dec. 31, 1882, . 

Total, 



Disbursements during 1883. 
Cash paid for losses and claims (8 deaths), $9,963 32 
for compensation to agents, . 1,382 07 
for salaries of officers and em- 
ployees 2,312 42 

for advertising, rent, postage, etc., 953 70 
Total disbursements, . 



Balance on hand Dec. 31, 1883, . 



$1,669 53 

3,001 02 

9,879 82 

61 69 

26 52 

$14,638 58 

502 77 

$15,141 35 



14,611 51 

$529 84 



1883.] BENEFICIARY ASSOCIATIONS. 257 

Assets Dec. 31, 1883. 

Cash in office, $112 01 

deposited in bank, .... 417 83 
Total amount of cash items, . . $529 84 

Liabilities Dec. 31, 1883. 
Assessments paid in advance, $61 69 

Losses and Claims paid during the Year, 

Whole number of deaths, 8 

Whole amount paid the beneficiaries, .... $9,963 32 

Number of deaths in Massachusetts, 5 

Amount paid the beneficiaries, $7,858 61 

Exhibit of Membership. 

Total present membership, 988 

Gross amount of benefits represented therein, . . . $2,756,000 00 

Total present membership in Massachusetts, . . . 813 

Gross amount of benefits represented therein, . . . $2,347,000 00 



UNITED STATES BENEFIT ASSOCIATION, BOSTON. 

[Incorporated Jan. 5, 1882. Commenced business Jan. 14, 1882.] 

Henry W. Robinson, President. W. E. Stone, Secretary. 

Office, 160 Tremont Street. 

Income during 1883. 

For membership fees, $7,352 00 

annual dues, 3,531 51 

assessments, 21,058 08 

medical examiner's fees, 800 00 

increase of capital, . . 1,950 00 

all other items, 56 50 

Total income, $34,748 09 

Balance on hand Dec. 31, 1882, 182 18 

Total, $34,930 27 

Disbursements during 1883. 

Cash paid for losses and claims (5 deaths), $21,000 00 

for compensation to agents, . 6,214 12 

for travelling expenses, . . 162 46 

for medical examiner's fees, . 921 50 



258 



MUTUAL AID AND OTHER [Dec. 31, 



Cash paid for salaries of officers and em 

ployees 

for rent, .... 

for advertising, blanks and print 

™g 

for furniture, postage, etc., 
for incidentals, . 
for loan returned, 
Total disbursements, . 

Balance, . ... 



$2,353 29 
825 00 

965 93 

567 85 

264 66 

1,327 20 



$34,602 01 



$328 26 



Assets Dec. 31, 1883. 



Cash in principal office, 

in bank, .... 
on hand (mortuary fund), 
Total cash items, 

Balance (excess) unaccounted for, 
Assessments due and unpaid, 
Assessments not yet due, . 
Office furniture, etc., . 

Total, . . . 



$144 08 




124 10 




779 03 






1,047 21 






$718 95 


J5,104 83 




1,404 27 




919 42 





r ,428 52 



Liabilities Dec. 31, 1883. 



Losses and claims due but not paid, 
All other items, . . . 
Total, . 



$7,000 00 
75 00 



$7,075 00 



Losses and Claims paid during the Year. 

Whole number of deaths, .... . 5 

Whole amount paid the beneficiaries, . . $21,000 00 

Number of deaths in Massachusetts, .... 5 

Amount paid the beneficiaries, $21,000 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, . 

Number of certificates in force, 

Gross amount of benefits represented therein, . 



1,442 
1,442 

$5,407,000 00 
1,370 
1,370 

$5,203,000 00 



1883.] 



BENEFICIARY ASSOCIATIONS. 



259 



WARREN FRATERNAL BENEFIT ASSOCIATION, LYNN. 

[Incorporated July 7, 1882. Commenced business May 6, 1873.] 

Isaac Frazier, President. J. R. Guindon, Secretary. 

Office, 21 Grove Street, Lynn. 



Income during 1883. 



For membership fees, 
assessments, 
interest, 



Total income, 
Balance on hand Dec. 31, 1882, . 



Total, 



$46 00 

16,311 90 

16 31 


$16,374 21 
757 85 


$17,132 06 



Disbursements during 1883. 

|14,802 00 



Cash paid for losses and claims (16 deaths), 
for compensation of officers and 

employees, . 
for advertising and printing, 
for stationery and postage, 
for rent, .... 
Total disbursements, . 



741 45 




148 50 




272 43 




3 00 






15,967 38 





Balance, 



.,164 68 



Assets Dec. 31, 1883. 



Cash deposited in banks, 
All other assets, . . 



$90 00 



,164 68 



Losses and Claims paid during the Year. 

Whole number of deaths, . 16 

Whole amount paid the beneficiaries, .... $ 14,802 00 

Number of deaths in Massachusetts, .... 15 

Amount paid the beneficiaries, $13,971 00 



Exhibit of Membership. 

Total present membership, 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 



835 
835 

$697,225 00 
793 
793 

$628,849 00 



260 MUTUAL AID AND OTHER [Dec. 31 



WASHINGTON MUTUAL BENEFIT ASSOCIATION, LYNN. 

[Incorporated March 15, 1883. Commenced business March 17, 1877.] 

E. W. Webster, President. L. B. Gould, Secretary. 



Income during 1883. 



For membership fees, 
assessments, 



$9 


90 


1,637 


22 


11,647 


12 


705 


03 



$1,452 00 
108 00 




34 50 


* 


14 17 




— — — 


1,608 67 



Total income, 
Balance on hand Dec. 31, 1882,* 

Total, . . $2,352 15 

Disbursements during 1883. 

Cash paid for losses (5 deaths), 
for salaries, 
for printing, 
for incidental expenses, 
Total disbursements, . 

Balance, .... . $743 48 

Assets Dec. 31, 1883. 

Cash in First National Bank, $733 48 

Balance unaccounted for, . . . . $10 00 

Losses paid during 1883. 

Whole number of deaths, as reported, .... 5 

Whole amount paid beneficiaries, . . . . . $1,452 00 

Exhibit of Membership. 
Total present membership not stated. 



* By statement of previous year this item was $717.33. 



1883.] BENEFICIARY ASSOCIATIONS. 261 



WINCHESTER MUTUAL BENEFIT ASSOCIATION, 
WINCHESTER. 

[Incorporated April 26, 1883. Commenced business March 19, 1883.] 

David N. Shillings, President. William A. Snow, Secretary. 

Income during 1883. 
For membership fees, $194 00 

Disbursements during 1883. 

Cash paid for losses and claims (1 death), $54 00 
for advertising and printing, . 71 00 

for all other items, ... 14 35 

Total disbursements, .... 139 35 

Balance, $54 65 

Assets Dec. 31, 1883. 
Cash deposited in bank, ...... '' $54 65 



Losses and Claims paid during the Year. 

Whole number of deaths, 1 

Whole amount paid the beneficiaries, .... $54 00 



Exhibit of Membership. 

Total present membership, 96 

Whole number of certificates in force, . 96 

Gross amount of benefits represented therein, . . . $9,216 00 
Does business only in Massachusetts. 



262 BENEFICIARY ASSOCIATIONS. [Dec. 31, '83. 



YOUNG MEN'S BENEFIT ASSOCIATION, LYNN. 

[Incorporated May 24, 1881. Commenced business June 14, 1881.] 

Benjamin F. Peach, Jr., President. Frank H. Hill, Secretary. 

Office, 60 Munroe Street, Lynn. 

Income during 1883. 

For membership fees, $262 00 

annual dues, 380 00 

assessments, 828 25 

Total income, $1,470 25 

Balance on hand Dec. 31, 1882, . . . . . 119 25 

Total, $1,589 50 

Disbursements during 1883. 

Cash paid for losses and claims (2 deaths), $828 25 
for compensation to agents, . 222 50 
for salaries of officers and em- 
ployees, 209 76 

for rent, 70 00 

for all other items, . . . 130 67 

Total disbursements, .... 1,461 18 

Balance, . $128 32 

Assets Dec. 31, 1883. 

Cash in office, $12832 

due for annual dues, . . . . $30 00 

Losses and Claims paid during the Year. 

Whole number of deaths, ." 2 

Whole amount paid the beneficiaries, .... $828 25 

Exhibit of Membership. 

Total present membership, » 490 

Whole number of certificates in force, 490 

Gross amount of benefits represented therein, . . . $490,000 00 
Does business only in Massachusetts. 



SUMMARY OF THE BUSINESS 



OF 



MUTUAL AID AND CO-OPERATIVE ASSOCIATIONS. 



264 



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1883.] 



BENEFICIARY ASSOCIATIONS. 



265 



Tt< b- t^ "* 

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co cs -* 






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266 



MUTUAL AID AND OTHER [Dec. 31, 



co" 



CO CD 'O 

o o -*< 

CO CN CO 



CO 


t>- 


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CO 


CO 


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pq 


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d 


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p 


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ci 


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p 



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p 



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p 



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1 S 



1883.] BENEFICIARY ASSOCIATIONS., 



267 



h- 


00 


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rH 




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1883.] 



BENEFICIARY ASSOCIATIONS. 



269 



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1883.] 



BENEFICIARY ASSOCIATIONS, 



271 



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co 


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CO 


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CM 


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o 


o 


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co 








































cn> 


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ta> 


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lO 


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cu 


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cu 
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fa 
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13 

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c 

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fa 

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a 

03 

fi 
fa 


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jo 

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fa 


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fa 


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cu 

fa 


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fa 






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B 

B 

o 
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cu 

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cu 


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cu 

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cu 


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03 
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cu 

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cu 


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fa 






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B 
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272 



MUTUAL AID AND OTHER [Dec. 31 



w 






o 


o 


o 


o 


O 


so 


o 


o 


o 


o 


o 


o 




„ *o 


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o 


o 


t-~ 


o 


o 


IQ 


o 


o 


o 






S -2 


o 


o 


o 


o 


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o 


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o 


o 


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CN 


lO 


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lO 


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so 


on 






2 £ 


co 


CN 


f-H 


© 


t>- 


o 


o 


CO 


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00 


CN 


CO 






s S 


o 


i— i 




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CO 


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cn 


CO 


i-H 


T* 


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o 




a P< 
M Ph 


CN 


CN 




CN 


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CN 




I-H 






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cn 












CN 




H 




























































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o 


00 


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00 


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oo 


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CO 


SO 


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1— I 


< 




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00 




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00 


OS 


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o 










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l>- 




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1883.] 



BENEFICIAKY ASSOCIATIONS. 



27a 






O 

O 

o 



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o 
o 



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o 


o 


o 


O 


.—1 


o 


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CM 


OS 
















CN 


CM 


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OS 


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oo 


oo 


l-H 


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TH 


t— 1 


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o 


oo 




i—i 


7—t 


ira 


CN 


1— 1 


CO 


















i— ' 


(M 


CN 


H 







o 


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I— 1 


oo 


CN 


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O 


co 


t^ 


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os 


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CO 


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l—l 


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CO 


o 


CM 


t^ 


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ta 


CO 


CO 


oo 


<M 


co 


CO 


co 


OS 


CO 


OS 


CM 


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lr^ 


CO 


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co 


00 


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OS 






































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CM 


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co 










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r> 


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>-, 


w 


a 


M 


Hi 



274 



MUTUAL AID AND OTHER [Dec. 31, 



*T3 

a 
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c 
o 
O 



CM 

M 



03 






CO 


O 


o 


o 


o 


o 


o 


o 


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o 


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us 




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o 


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cu <u 




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c c • 




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co 


CO 


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g 0> 
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pq 




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H 


































H 


































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1883.] 



BENEFICIARY ASSOCIATIONS. 



275 



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LIFE, CASUALTY, AND ACCIDENT 

INSURANCE COMPANIES 

OF OTHEE STATES 

Authorized to do Business in Massachusetts, with the Agents 
acting for the same and the amount of business done 
by Each Agent, for the year ending October 
31, 1883, as returned to the tax com- 
missioner and by him compiled. 



278 



AGENTS OF LIFE INSURANCE [Dec. 31, 



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1883.] COMPANIES OF OTHER STATES. 



279 



















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Edwin G. 
Alfred, 


ICUT Mu 
Sidney F. 


E* 

a* 

M CD 

S3 


AND Ca 
, Thomas 

Asaph P 
Edward ! 
, Baker & 

Chaunce 
', Charles 


a Life I 
enry P., 
ed by Sec 




ANCE COMPA> 

Chamberlin, W. 
Freeman, David 
Smith, John L., 




Field, : 
Laws, 




[DELITY 

Adams 
Childs, 
Clapp, 
Ellison 
Pierce, 
Tucker 


ERMANI 

Olin, H 
Return< 


Ph" 
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280 



AGENTS OF LIFE INSURANCE [Dec. 31, 



1 






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co 


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OF 



LIFE AND ACCIDENT COMPANIES 



TO 



JUNE 1, 1884:. 



286 



AGENTS AND SUB-AGENTS. [Dec. 31, 



LIST OF AGENTS AND SUB-AGENTS 

AUTHORIZED AT DATE OF PUBLICATION OF THIS REPORT. 



Agents marked 



ACCIDENT OF NORTH AMERICA, Montreal, Canada. 



Names. 


Residence. 


Names. 


Residence. 


Edwin K. Maynarcl, . 


Ayer. 


John A. Preston, 


Northfield. 


Henry McCloud, 


Amherst. 


Charles F. Luther, . 


No. Adams. 


A. W. Safford, . 


Adams. 


W. H. Hellyar, 


Palmer. 


John S. Winn, 


Boston. 


Wilson & Reed, 


Pittsfield. 


Curtis Clark*, . 


Boston. 


Edward A. Smith, 


Salem. 


Fred R. Frissell, . 


E. Brookfield. 


Zenas C. Rennie,* 


Springfield. 


Lockey & Allison, 


Fitchburg. 


Franklin L. Gunn, . 


Springfield. 


Durfee & Chase, 


Fall River. 


Henry S. Crossman, . 


Springfield. 


Fears & Cunningham, 


Gloucester. 


Thomas W. Adams, . 


Springfield. 


W. E. Brown, 


Gilbertville. 


Nath'l T. Houghton, . 


Springfield. 


Geo. W. Cook, . 


Haverhill. 


Charles H. Burr, 


Southbridge. 


R. B. Johnson, . 


Holyoke. 


George A. Millay, 


Taunton. 


Wesley K. Bell, . 


Ipswich. 


Charles E. Maynard, 


Templeton. 


Edwin Fletcher, . 


Lawrence. 


T. H. Hill & Co., 


Woburn. 


C. W. Nutting, . 


Lynn. 


J. B. Bonnell, . 


Worcester. 


John N. Shattuck, 


Natick. 


Edward A. Harris, . 


Worcester. 



iETNA, Hartford, Conn. 



Dwight Chester,* 
John H. Stevens, 
G. D. Richardson, 
Edward M. Hovt, 
John T. McManes, 



Boston. 
Boston. 
Boston. 
Boston. 
Hartford, Ct. 



E. L. Jagger, 
C. H. Peirce* . 
Walter D. Tyler, 
A. H. Keene, 
Henry P. Safford, 



Northampton. 

Northampton. 

Oxford. 

So. Abington. 

S.Framingham. 



AMERICAN STEAM-BOILER, New York. 



Henry T. Thayer,* 



Boston. 



CONNECTICUT GENERAL, Hartford, Conn. 



Alfred Laws,* 
Henry S. Bacon, 



Brockton. 
Milford. 



James M. Cushman,* 
Edwin G. Field,* 



Taunton. 
Worcester. 



1883.] AGENTS AND SUB-AGENTS. 

CONNECTICUT MUTUAL, Hartford, Conn. 



287 



Names. 


Residence. 


Names. 


Residence. 


Samuel II. Stone,, Jr. 
Daniel W. Kilburn, 
Joshua P. Bird, . 
George L. Wren, 
T. E. Friend, 
CE. Morse, 
Sydney F. Tyler * 
Thomas F. Dodge, 
Sylvanus B. Fay, 
Henry W. Billings, 
Charles L. Cook, 
E. M. Harkins, . 
S. A. Stacy & JSon, 
Jno. K. Norwood & Co 
J. C. Chaffee, 


> 
> 


Beverly. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Conway. 

Conway. 

Fall River. 

Gloucester. 

Lawrence. 

Lee. 


James M. Battles, 
Willie E. Johnson, . 
Oliver Walker, . 
Henry Clark, Jr., 
Charles A. Babbitt, . 
George E. Foster, 
William S. Danforth, 
Chester Buck, . 
Emma R. Jillson, 
H. H. Wellington, . 
Myron B. Spooner, . 
J. C. Hammond, 
Wm. Lincoln & Co., . 
V. W. Crowson, 
William A. Smith, . 


Lowell. 

Lowell. 

Northampton. 

Newburyport. 

Orange. 

Pittstield. 

Plymouth. 

Springfield. 

Springfield. 

So. Adams. 

So. Lee. 

Taunton. 

Warren. 

Westfield. 

Worcester. 



EQUITABLE, New York. 



George M. Nash, 


Abirigton. 


John W. Fletcher, . 


Chelsea. 


Nathan Warren, . 


Boston. 


Willis E. Flint, . 


Danvers. 


Henry McL. Harding, 


Boston. 


Theophilus R. Heme, 


Hyde Park. 


Wm. D. Thayer, . 


Boston. 


John M. Turner,* 


Northampton. 


Charles 0. Nelson, 


Boston. 


Clarence A. Cook* . 


New Bedford. 


A. H. Chadbourn, 


Boston. 


Thomas R. Earl, 


Portland, Me. 


George L. Stocking, . 


Boston. 


Milton F. Ricker, 


Portland, Me. 


E. L. Hammond, 


Boston. 


A. M. Sleeper, . 


Springfield. 


James B. Niver, . 


Boston. 


Charles Fay,* . 


Springfield. 


Clarence S. Goodwin, 


Boston. 


E. P. Kendrick, 


Springfield. 


John Gordon, 


Boston. 


Wm. Montgomery, . 


Wakefield. 


S. F. McCleary,* 


Boston. 


Joseph E. Bradford, . 


Worcester. 


Benjamin F. Brown, . 


Boston. 


B. F. K. Martin, 


W. Somerville. 



FIDELITY AND CASUALTY, New York 



Byron P. Myers* 


Adams. - 


E. E. Clapp,* . 


New York. 


Samuel H. Stone, Jr.,* 


Beverly. 


C. H. Peirce * . 


Northampton. 


Ellison, Baker & Cool- 




George F. Miller, 


North Adams. 


idge,* 


Boston. 


W. R. Milligan, 


Palmer. 


A. E. Rich, . 


Clinton. 


Herbert Morrissey,* . 


Plymouth. 


F. C. Currier & Son, . 


Fitch burg. 


J. Frank Dalton, 


Salem. 


R. B. Johnson & Son, 


Holyoke. 


Rollin S. Childs, 


Springfield. 


H. W. Eldredge, 


Lawrence. 


Asaph P. Childs,* 


Springfield. 


H. E. Worcester, 


Lowell. 


S. C. Warriner, 


Springfield. 


John S. D'Evelyn, 


Lowell. 


Charles H. Burr * . 


Southbridge. 


John C. Rock, 


Marlboro. 


J. W. Gay, 


Winchendon. 


William F. Russell, . 


Melrose. 


Thos. H. Hill & Co.,* 


Woburn. 


H. H. Whitney, . 


Natick. 


C. D. Tucker, . 


Worcester. 


W. E. Chase, 


Newburyport. 







GERMANIA, New York. 



Henry P. Olin,* . 
Emil Schwab* . 
Siegmund Levison, 



Boston. 
Boston. 
Springfield. 



Benjamin Zaeder, 
C. H. Graff, 



Worcester. 
Worcester. 



GUARANTEE OF NORTH AMERICA, Montreal, Canada. 



George W. Gregerson,* 




Chase & Shaw, 



Fall River. 



288 AGENTS AND SUB- AGENTS. [Dec. 31, 

HARTFORD STEAM-BOILER, Hartford, Conn. 



Names. 


Residence. 


Names. 


Residence. 


Chase & Shaw* . 
Lockey & Allison,* . 
David C. Freeman,* . 


Fall River. 
Fitchburg. 
Hartford. 


Wm. F. Johnson,* . 
John L. Smith * 


Lynn. 
Providence. 



HOME, New York. 



James M. Burgess,* 
William Kellen, . 



Boston. 
Boston. 



Thorns Ely, 
Philip Pond, 



Providence. 
Springfield. 



HOMCEOPATHIC MUTUAL, New York. 



Alfred Parker,* . 
John C. Gordon, 
Charles W. Jenkins, 



Boston. 
Boston. 
Boston. 



Lewis Lyman, . 
George H. Wellman,* 
Hazlett G. Scott, 



Boston. 
Boston. 
Chelsea. 



LLOYDS PLATE- 


GLASS, New York. 




Rosewell S. Barrows,*. 


Boston. 


Charles Coburn,* 


Lowell. 


Nathaniel C. Stearns,* 


Boston. 


C. W. Nutting ,* 


Lynn. 


John P. Slade & Son,* 


Fall River. 


L. Grinnell & Co. * . 


New Bedford. 


George Steele,* . 


Gloucester. 


F. S. Parker,* . 


Pittsfield. 


L. V. Spaulding * 


Haverhill. 


S. C. Warriner * 


Springfield. 


Judd & Parsons,* 


Holyoke. 


John F. Crowell* . 


Worcester. 



MANHATTAN, New York. 



Henry B. Peirce, 
J. Mason Everett,* 



Abington. 
Boston. 



Charles W. Holden, . 
Geo. R. Harrington,* 



Boston. 
Springfield. 



METROPOLITAN PLATE-GLASS, New York. 



William G. Whitney * 
S. D. Howland* 
R. B. Johnson,* . 
L. B. Usher,* 



Boston. 
Fall River. 
Holyoke. 
Lynn. 



Emory H. Nash,* 
F. A. Judd,* . 
Edwin Eldred& Co. 



Pittsfield. 

Springfield. 

Worcester. 



METROPOLITAN, New York. 



Charles Drouet,*. 


Boston. 


George Moore, . 


Boston. 


James Chudley, . 


Boston. 


James Briggs, . 


Boston. 


George Lufkin, . 


Boston. 


Marinius Landman, . 


Boston. 


James Heifer, 


Boston. 


W. H. Travis, . 


Boston. 


R. A. Elliott, 


Boston. 


Isador Bloom, . 


Boston. 


Henry Williams, 


Boston. 


H. T. Fletcher, . 


Boston. 


Francis Jones, 


Boston. 


R. G. McLaughlan, . 


Boston. 


E. B. Pettits, 


Boston. 


Edward S. Sawyer, . 


Boston. 


Edward Hitchens, 


Boston. 


Albert M. Marden, . 


Boston. 



1883.] 



AGENTS AND SUB-AGENTS. 

METROPOLITAN — Concluded. 



289 



Names. 


Residence. 


Names. 


Residence. 


G. A. Gardner, . 


Boston. 


W. G. Goodell, . 


Lawrence. 


L. J. Perigo, 


Boston. 


Joseph Welch, . ; 


Lawrence. 


Henry A. Barton, 


Boston. 


W. G. Gale, 


Lawrence. 


Charles Hallock, * 


Boston. 


William Scott, 


Lawrence. 


C. C. Nourse, 


Boston. 


Antonio Garneau, 


Lawrence. 


Charles Hollingswortb, 


Boston. 


Bernard Haughey, 


Lawrence. 


J. B. Flowers, 


Boston. 


H. P. McCavett, . 


Lawrence. 


J. J. Fecit, . 


Boston. 


John Curran, 


Lawrence. 


Daniel Hague, . 


Boston. 


F. W. Brown, . 


Lawrence. 


Fred. B. Broadhead, . 


Boston. 


James Sykes, 


Lowell. 


P. Lucas, . 


Boston. 


Charles L. Berthelot, . 


Lowell. 


C. J. Smith, 


Boston. 


F. E. Maxey, 


Lowell. 


C. A. Chamberlain, 


Boston. 


W. P. Clark, 


Lowell. 


Charles Morrison, 


Boston. 


L. L. Ellwood, . 


Lowell. 


Erving Jackson, . 


Boston. 


Robert Overton, . 


Lowell. 


C. A. Hunt, 


Boston. 


J. L. Moss. . 


LowelL 


J. F. Leslie, 


Boston. 


T. W. O'Boyle, . 


Lowell. 


F. H. Reed, 


Boston. 


Samuel Qumn, . 


Lowell. 


W. A. Crane, 


Boston. 


Ellis Morris, 


Lowell. 


H. A. Barlow, 


Boston. 


George Goss, 


Lynn. 


John Sykes, 


Boston. 


W. E. Holmes, . 


Lynn. 


Thomas Mooney, 


Boston. 


Charles Machette, 


Lynn. 


N. W. Strout, . 


Boston. 


James McGrail, . 


Lynn. 


J. F. Chase, 


Boston. 


W. H. Jar vis, 


Lynn. 


Edwin C. Stone, . 


Boston. 


Patrick Mclntyre, 


Salem. 


James Roy, 


Boston. 


John Sharman, . 


Salem. 


Charles L. Gilbert, 


Boston. 


G. H. Mathews, . 


Salem. 


J. Stackpole, 


Boston. 


Wm. A. Russell, 


Salem. 


C.Day, 


Boston. 


S. R. Ayers, 


Salem. 


Thomas Bailey, . 


Fall River. 


C. S. Shepard, 


Salem. 


William Thornton, 


Fall River. 


Wm. M. Hall, . 


Salem. 


Robert Cowgill, . 


Fall River. 


J. H. Docher, 


Springfield. 


Henry J. Hoare, 


Fall River. 


H. C. Martin, 


Springfield. 


"William A. Dunn, 


Fall River. 


Charles H. Smith, 


Springfield. 


Lorenzo Goodwin, 


Fall River. 


J. A. Moro, . 


Springfield. 


George Hargreaves, . 


Fall River. 


A. E. Swift, 


Springfield. 


D. J. Newbury, . 


Fall River. 


Alonzo Campbell, 


Springfield. 


Benjamin Thatcher, . 


Fall River. 


William F. Smith, 


Springfield. 


J. H. Buckley, . 


Fall River. 


J. J. O'Leary, 


Springfield. 


J. W. Arnold. . 


Fall River. 


Isaac Avery, '. 


Springfield. 


Joseph Constantine, . 


Fall River. 


William Coats, . 


Springfield. 


William Abbott, . 


Fall River. 


E. M. Turner, . 


Springfield. 


W. H. Blatchford, . 


Gloucester. 


Horace L. Baron, 


Springfield. 


Thomas O'Hare, 


Holyoke. 


H. E. R. Sackett, 


Springfield. 


A. E. Brown, 


Holyoke. 


W. E. Stokes, . 


Springfield. 


M. Sullivan, 


Holyoke. 


J. W. Offent, 


Springfield. 


F. Vortigern, 


Holyoke. 


William Hough, . 


Worcester. 


Annie Gosnay, . 


Holyoke. 


J. A. Higgins, . ; 


Worcester. 


John Kenney, 


Holyoke. 


Fred. Hough, 


Worcester. 


A. D. Henderson, 


Holyoke. 


J. R. Rogers, 


Worcester. 


W. V. Rose, 


Holyoke. 


J. D. Hooper, 


Worcester. 


Benjamin Harobin, 


Holyoke. 


Duxbury Walsh, 


Worcester. 


Sarah A. Rose, . 


Holyoke. 


E. 0. Williams, . 


Worcester. 


M. J. Griffin, 


Holyoke. 


James Allen, 


Worcester. 


C. E. Lewis, 


Holyoke. 


L. N. Martin, 


Worcester. 


Alfred Goodchild, 


Holyoke. 


Thomas Tray, 


Worcester. 


G. A. Christie, . 


Holyoke. 


Philip Lawrence, 


Worcester. 


A. J. Emptage, . 


Lawrence. 


George H. Clayton, . 


Worcester. 


W. T. Conant, . 


Lawrence. 


Francis Cinquemars, . 


Worcester. 


Thomas Holden, 


Lawrence. 


L. F. Hallihan, . 


Worcester. 


Ferd. Morrasse, . 


Lawrence. 


Henry Gaw, 


Worcester. 


R. H. Mclnnes, . 


Lawrence. 


J. S. Livingston, . 


Worcester. 


John Chantry, 


Lawrence. 


James Shaughnessey, . 


Worcester. 


Samuel Ashton, . 


Lawrence. 


Thomas F. Judge, 


Worcester. 


Edward Kelley, . 


Lawrence. 







290 



AGENTS AND SUB-AGENTS. [Dec. 31, 



MUTUAL, New York. 



Names. 


Residence. 


Names. 


Residence. 


C. G. Attwood * . 


Boston. 


Wm. F. Johnson & 




Henry M. McCloud, . 


Amherst. 


Knight, 


Lynn. 


Frederick Krause, 


Boston. 


Luther L. Tarbell, 


Marlboro'. 


Edward R. Fowler, . 


Boston. 


John W. Allen, . 


■ Maplewood. 


J. B. Anthony, . 


Boston. 


J. L. Hannaford, 


Melrose. 


Charles W. Tarbell, . 


Boston. 


D. W. Foster, . 


Melrose. 


Francis E. Manley, . 


Boston. 


James 0. Goodwin, 


Medford. 


Peter Tancred, . 


Boston. 


L. Grinnell & Co., 


New Bedford. 


George A. Smith. 


Boston. 


W. E. Chase, 


Newbury port. 


Lemuel Tyler, 


Boston. 


R. R. Horton, 


North Eastham. 


Silas Sanborn, 


Boston. 


S. Y. Walker, . 


Northfield. 


John S. Winn, 


Boston. 


Wm. H. Hellyar, 


Palmer. 


Bernard Connolly, 


Boston. 


L. F. Mendel 1, . 


Plainville. 


H. H. Packard, . 


Brockton. 


J. Frank Dalton, 


Salem. 


William R. Gordon, . 


Beverly. 


Wm. P. Hood, . 


Somerset. 


Chas. W. Sever, . 


Cambridge. 


Zenas C. Rennie, ' 


Springfield. 


C. G. Stevens & Son, . 


Clinton. 


N. T. Houghton, 


Springfield. 


S. D. Howland, . 


Fall River. 


Henry S. Crossman, . 


Springfield. 


Frederick 0. Dodge, . 


Fall River. 


Harry M. Rennie, 


Springfield. 


H. L. Follansbee, 


Gloucester. 


Henry 0. Stewart, 


S. Framingham 


Henry K. Simmons, . 


Greenfield. 


Andrew S. Briggs, 


Taunton. 


Edwin F. Adams, 


Haverhill. 


R. B. Robinson, . 


Westfield. 


C. B. Wolcott, . 


Holyoke. 


Franklin Whipple, 


Worcester. 


Edwin Fletcher, . 


Lawrence. 


J. B. Bonnell, . 


Worcester. 


Daniel R. Wallace, 


Lowell. 


Wm. H. Chipman, 


Weymouth. 


George L. Spaulding, . 


Lowell. 







MUTUAL BENEFIT, Newark, N. J. 



Edwin A. Thomas, 


Amherst. 


James F. Anderson, . 


Boston. 


H. M.Daggett Jr. & Co. 


Attleboro'. 


Frank M. Merrill, 


Lowell. 


Hedges & Hodges,* . 


Boston. 


Silsbee & Stevens, 


L} 7 nn. 


W. H. S. Jordan, 


Boston. 


John T. Hall, . 


Plymouth. 


R. Y. C Emerson, 


Boston. 


S. A. Williams & Co., 


Taunton. 


James H. McFarland, 


Boston. 


Orrin L. Cowles, . 


Westtield. 


Lewis Carroll, 


Boston. 


Sparrow Horton, 


Woburn. 


Samuel 0. Ingalls, 


Boston. 


Addison V. Newton, . 


Worcester. 


James H. Cleaves, 


Boston. 







NATIONAL, Montpelier, Vt. 



Freeman H. Lathrop, 
James T. Phelps,* 
S A. Childs, 
W. A. S. Smyth, . 



Barnstable. 
Boston. 
Fitchburg. 
Lynn. 



W. H. Hellyar, . 
S. R. Higgins, 
Edwin S. Merrill, 



Palmer. 
Wellfleet. 
Winch en don. 



NEW YORK, New York. 



Jewell & Tan Valken 

burg, 
Benjamin S. Calef,*' 
William F. Morrill, 
A. J. Mosher, 
Geo. W. Warren, 
W. J. McCormick. 
Jacob Fox, . 
Benjamin A. Ball, • 
Fred W. Cole, . 
William Back, . 
George A. Cantine, 
Ralph Ely, . 
Stephen Swift, 
E. T. Gilbert, 
J. C. Proctor, 
J. M. Shepard, Jr., 



Athol. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Brockton. 

Cambridgeport, 

Dunstable. 

Fall River. 



Henry K. Simmons, . 
Henry A. Greenough, 
George B. Fiske, . 
S. W. Cook, 
Warren Tapley, . 
Frank H. Hill, . 
Edward J. Luce, . 
Jarvis Rockwell,* 
Bullock 8c Brown, 
Ira F. Lowell, 
Asaph P. Childs, 
Rollin S. Childs,. 
S. C. Warriner, . 
Joseph Stone, 
James Melanefy,* 
E. H. Sanford, . 



Greenfield. 

Haverhill. 

Tlolliston. 

Lowell. 

Lynn. 

Lynn. 

New Bedford. 

North Adams. 

North Adams. 

Rockland. 

Springfield. 

Springfield. 

Springfield. 

Winchester. 

Worcester. 

Worcester. 



1883.] 



AGENTS AND SUB-AGENTS. 



291 



NORTHWESTERN MUTUAL, Milwaukee, Wis. 



Names. 


Residence. 


Names. 


Residence. 


Edward J. Smith,* 
William P. Gannett, 
H. H. Carpenter, 
John S. Winn, 
C. C. Guitean, 
Thomas E. Lambert, 
J. M. Kilgore* . 
Edward D. Tyler,* 




Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Lowell. 
North Adams. 


James Allan,* 
Jno. C. Peckham, 
Albert E. Daniels, 
A. J. Church, 
James B. Winsor, 
Edward F. Flynn, 
Wm. M. Hill, . 




Norwich, Ct. 
Norwich, Ct. 
Norwich, Ct. 
Providence,R I. 
Providence, R.I. 
Providence,R.I. 
Woburn. 



PENN MUTUAL, Philadelphia, Pa. 



Barnard Bros.,* . 
James H. McBride * 
William Banting, 



Boston. 
Boston. 
Boston. 



George French,* 
H. W. Putnam, 



North Adams. 
Salem. 



PROVIDENT LIFE AND TRUST, Philadelphia 


, Pa. 


Gilbert C, Hoag* 
Hiram V. Gould, 


Boston. 
Boston. 


Samuel C. Tozzer, 
George G. Newhall, . 


Lynn. 
Lynn. 


PROVIDENT SAVINGS, New York. 


Fred W. Masters,* . 


Boston. 


George A. Millay,* 


Taunton. 


TRAVELERS', Hartford, Conn. 



F. H. B. Munson, 
Henry M. McCloud, . 
E. B Sears, 
E. F. Brown, 
0. P. Richardson, Jr., . 
Joseph 0. Moury, 
Arthur Fenner, . 
Albert E. Prescott, 
E. A. R. Fairchild, . 
Joel Hervey, 
Hatch & Woodman* 
Alonzo P. Jones, 
W. K. Peabody, . 
Locke & Gale, 
Fred E. Bodwell, 
Edwin Mercer, . 
L. H. Palmer, 
C. B. Dennis, 
J. W. Richardson, 
George M. Roberts, . 
William E. Sheldon, . 
Joseph L. White, 
T. Edward Bond, 
Forest E.Day, . 
George E. Fogg, . 
Merrill E. Hervey, 
Jacob C. Hiltz, . 
William Parkinson, Jr., 
Roland M. Jenks, 
John H. Fox, 



Adams. 
Amherst. 
Amherst. 
Athol. 
Attleboro. 
A'ttleboro. 
Ayer. 
Ayer. 

Belchertown. 
Blackstone. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Boston- 
Boston- 
Boston- 
Boston. 
Boston. 



E. W. Abbe, 
C. C. Daggett, . 
Charles F. Fife, . 
S. A. Battison, . 
Charles R. Ford, 
Walter Raymond, 
Gilbert L. Ogier, . 
A. W. Southworth, 
A. C. Lowell, 
A. J. Simmons, . 
Oliver W. Jordan, 
John H. Fox, 
G. F. Wheeler, . 
R. N. Holman, . 
J. H. Muldoon, . 
Waldo A. Pearce, • 
J. G. White, 
Chas. J. Trowbridge, 
Henry Clucas, Jr., 
Elsie M. Holbrook, 
Levi & Alden, 
A. T. Kimball, . 
James M. Leonard, 
C. D. Fullerton & Co. 
Benj. F. Brown, . 
Charles E. Stebbins, 
Mrs.E.V. B.Holcomb 
C. G. Stevens & Son, 
Thomas W. Surrette, 
H. H. Smith, 



Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Bridgewater. 

Brockton. 

Charlestown. 

Chicopee. 

Chicopee Falls. 

Clinton. 

Concord. 

Cottage City. 



292 



AGENTS AND SUB-AGENTS. [Dec. 31, 



TRAVELERS'— Concluded. 



Names. 



Eesidence. 



William B. Clark, 
Ira B. Wright, . 
W. H. Annis, 
S. D. Howland, . 
Wm. H. Mason, . 
Chas. F. H. White, . 
John H. Daniels, 
Charles E. Kirby, 
Charles B. Dennis, 
James E. Dawson, 
W. W. Tandy, . 
Dunn & Dunn, . 
H. L. Follansbee, 
Frank II. Wright, 
Wm. C. Darrow, 
Eugene B. Blake, 
John F. Spring, . 
William Freeston, 
Cbas. F. Wilson, 
J. L. Dennison, . 
N. S. Kimball, . 
Daniel Hooke, 
Edward F. Adams, 
Chas. A. Haseltine, 
Porter Underwood, 
W. W. Ward, . 
Judd & Parsons, . 
C. B. Wolcott, . 
Daniel W. Stratton, . 
Harry D. Blaisdell, 
John K. Norwood,* . 
J. H. Stannard, . 
Thomas Bevington, 
Edward G. Carleton, . 
Moses H. Pease, . 
E. L. Cogswell, . 
Fred. D. Prescott, 
H. C. Church & Son, . 
Fred J. Clarke, . 
George W. Miller, 
Boardman & Ingalls, . 
W. F. Johnson & 

Knight, 
Albert A. Davis, . 
Eugene Brigham, 
William Barnes, . 
John H. Hannan, 
Arthur C. Tapley, 
James O. Parker, 
Thos. C. Collins, 
Joseph B. Swain, 
Francis C. Perry, 
R. E. Farwell, . 



Dalton. 

Enfield. 

E. Pepperell. 

Fall River. 

Fall River. 

Fall River. 

Fitchburg. 

Fitchburg. 

Fitchburg. 

Gardner. 

Gardner. 

Gardner 

Gloucester. 

Gt. Barrington. 

Gt. Barrington. 

Greenfield. 

Greenfield. 

Hartford. 

Hartford. 

Hartford. 

Haverhill. 

Haverhill. 

Haverhill. 

Haverhill. 

Holyoke. 

Holyoke. 

Holyoke. 

Holyoke. 

Hudson. 

Lawrence. 

Lawrence. 

Lawrence. 

Lawrence. 

Lawrence. 

Lee 

Lee. 

Leominster. 

Lowell. 

Lowell. 

Lowell. 

Lynn. 

Lynn. 

Lynn. 

Marlboro. 

Marlboro. 

Maiden. 

Melrose. 

Methuen. 

Middleboro. 

Nantucket. 

Natick. 

Natick. 



Names. 



Residence. 



Hatch & Co., 
H. Van Campen, 
L. G. Hewins, Jr., 
Ivory S. Cornish, 
W. E. Chase, 
Arthur S. Alford, 
Noah G. Carter, . 
Smith & Skerry, . 
Daniel Stone & Son, 
Arthur B. Lee, 
Oliver Walker, . 
John M. Turner, . 
W. S. Rodiman, . 
George W. Ely, . 
Charles E. Fish, . 
Albert Hyde, 
John M. Stevenson, 
John T. Hall, . 
A. W. Giddings, . 
Albert G. Coffin, . 
Henry A. Brown, 
Lewis W. Marden, 
Henry A Bo wen, 
Charles L. Hayden, 
Elisha M. Phillips, 
Gilbert C. Manley, 
F. A. Judd, . 
Frank L. Gunn, . 
Frank P. Doolittle, 
H. G. Gilmore, . 
J. Horace Green, 
J. C. Hammond, . 
Austin G. Ryder, 
Andrew S. Briggs, 
W. H. P. Gilmore, 
Harriet L. Hartwell, 
William Medcalf, 
S. P. Robbins, . 
Waldo Johnson, . 
Joseph L. Barnes, 
Horace W. Bush, 
John W. Fairbanks, 
E. C. Bryam, 
John L. Woodruff, 
Asa P. Rand, 
R. B. Robinson, . 
Herbert Lyman, . 
Aaron J. Cook, . 
John W. Gay, Jr., 
Alfred H. Whitney, 
Oscar F. Rawson, 
Chas. M. Ruggles, 
Charles Hartwell, 



New Bedford. 

New Bedford. 

New Bedford. 

New Bedford. 

Newburyport. 

No. Adams. 

No. Adams. 

No. Brookfield. 

North Dana. 

Northampton. 

Northampton. 

Northampton. 

Northampton. 

Palmer. 

Palmer. 

Pittsfield. 

Pittsfield. 

Plymouth. 

Providence. 

Quincy. 

Salem. 

Salem. 

ShelburneFalls. 

So. Deerfield. 

Southbridge. 

Spencer. 

Springfield. 

Springfield. 

Springfield. 

Springfield. 

Stoneham. 

Taunton. 

Taunton. 

Taunton. 

Turner's Falls. 

Waltham. 

Ware. 

Warren. 

Webster. 

W. Brookfield. 

W. Brookfield. 

Westboro. 

Westfield. 

Westfield. 

Westfield. 

Westfield. 

Westfield. 

Williamstown. 

Winchendon. 

Winchendon. 

Worcester. 

Worcester. 

Worcester. 



UNION MUTUAL, Portland, Maine. 



John C. Thompson,* . 


Boston. 


Fred S. Parker, 


Pittsfield. 


James C. Benn, . 


Boston. 


Charles B. Johnson, . 


Easthampton. 


William H. Millett, . 


Boston. 


Judson G. Clark, 


Springfield. 


Arthur Carroll, . 


Boston. 


M. H.. Alff hauser, 


Springfield. 


William A. Dunn, 


Fall River. 


Henry M. Puffer, 


Shelburne Falls. 


M. F. Plympton, 


Fitchburg. 


James M. Stuart, 


Taunton. 


Frank L. Porter, 


Lawrence. 


Silas A. Greenwood, . 


Winchendon. 



1883.] 



AGENTS AND SUB-AGENTS. 



293 



UNITED STATES, New York. 



Names. 


Residence. 


Names. 


Residence. 


Luther G. Pitman,* . 
L. B. Wilbur, . 
W. C. Johnson, Jr.,* . 
R. 0. Storrs, 


Boston. 
Boston. 
Boston. 
Boston. 


John L. Hunnewell, . 
William G. Williams, 
Oscar Foot, 
D. W. Bartlett * 


Boston. 
Boston. 
Boston. 
Springfield. 



VERMONT, Burlington, Vt. 



C. W. Carter,* . 


Boston. 


Robert H. Magwood, . 


Boston. 


Charles E. Miles, 


Boston. 


Henry L. Chadwick, . 


Chelsea. 


John Slinn, . 


Fall River. 



William L. Robinson, 
Judd & Parsons, 

E. H. Briggs, 

F. J. Stevens, . 



Gloucester. 
Holyoke. 
Ipswich. 
S.Framingham. 



WASHINGTON, New York. 



Charles W. Holden * . 


Boston. 


J. Wolffshon, . 


Boston. 


Everett J. Mason, 


Boston. 


Edward L. Quigley, . 


Charlestown. 


R. H. Salter, 


Boston. 


Prescott Chamberlain, 


Chelsea. 


F. W. Masters, . 


Boston. 


C. H. Boardman, 


Lynn. 


John S. Winn, 


Boston. 


M. N. Wheelwright, . 


Newton. 


Thomas E. Lambert, . 


Boston. 


H. H. Lovett, . 


Newton. 


Edward J. Smith, 


Boston. 


Franklin Whipple, . 


Worcester. 



INDEX TO COMPANIES. 



[For Index to General Topics and Tables, see Table of Contents prefacing the 
Commissioner's Report.] 



Page 

Accident Insurance Compan}^ of North America, vii, 147 

Mtna Life, Hartford, Conn., 35 

American Surety Company, N. Y., x 

Berkshire Life, Pittsfield, Mass., xxix, 3 

Connecticut General Life, Hartford, Conn., . . 44 

Connecticut Mutual Life, Hartford, Conn., .48 

Equitable Life, New York, N. Y . . 53 

Fidelity and Casualty, vii, 149 

Germania Life, New York, N. Y., 60 

Guarantee Company of North America, vii, 152 

Hartford Steam Boiler, 153 

Home Life, Brooklyn, N. Y., 64 

Homoeopathic Mutual Life, New York, N. Y., 69 

John Hancock Mutual Life, Boston, Mass., xxxii, 7 

Lloyds Plate-Glass, • . vii, 155 

Manhattan Life, New York, N. Y., 73 

Massachusetts Hospital Life, Boston, Mass., 12 

Massachusetts Mutual Life, Springfield, Mass., xiii, 14 

Metropolitan Life, New York, N. Y., 78 

Metropolitan Plate-Glass, . . . vii, 157 

Mutual Life, New York, N. Y.,. 82 

Mutual Benefit Life, Newark, N. J., 90 

Mutual Boiler, Boston, 158 



296 



INDEX TO COMPANIES. 



Page 

National Life, Montpelier, Vt., 96 

New England Mutual Life, Boston, Mass., xxxv, 20 

New York Life, New York, N. Y., 100 

Northwestern Mutual Life, Milwaukee, Wis., . 105 

Penn Mutual Life, Philadelphia, Penn., vi, xxxix, 109 

Provident Life and Trust, Philadelphia, Penn., 115 

Provident Savings, New York, N. Y., . . 119 

State Mutual Life, Worcester, Mass., xxxvii, 27 

Travelers', Hartford, Conn. (Life Department), 122 

Travelers', Hartford, Conn. (Accident Department), . . . . . 160 

Union Mutual Life, Augusta, Me., vi, xl, 127 

United States Life, New York, N. Y., . . . 133 

United States Plate-Glass, . . . . . . . . . . . vii 

Vermont Life, Burlington, Vt., .137 

Washington Life, New York, N. Y., 141 



BENEFICIARY ASSOCIATIONS. 



Masonic. 

Boston Masonic Mutual Benefit Association, 

Connecticut Valley Masonic Relief Association, 

Eastern Massachusetts Masonic Mutual Relief Association, 

Essex County Masonic Mutual Relief Association, . 

Lawrence Masonic Mutual Relief Association, . ... 

Masonic Mutual Relief Association of Central Massachusetts, 

Masonic Mutual Relief Association of Western Massachusetts, 

Right Arm Masonic Mutual Relief Association of County of Barnstable 

Southern Massachusetts Masonic Mutual Relief Association, . 

Suffolk Masonic Mutual Relief Association, 4 

Union Masonic Mutual Relief Association, . . . 



167 
168 
169 
170 
171 
171 
173 
174 
175 
176 
177 



Odd Fellows. 

Columbian Mutual Benefit Association, .... 

Daughters of Rebecca Mutual Benefit Association, . 

Lynn Odd Fellows Mutual Benefit Association, ,' 

New England Provident Association I. O. O. F., ... 

Odd Fellows Beneficial Association of the State of Massachusetts, 

Odd Fellows Mutual Benefit Association of Charlestown District, 

Odd Fellows Mutual Benefit Association of Chelsea, 

Odd Fellows Mutual Benefit Association of Dorchester, . : . 

Odd Fellows Mutual Benefit Association of Essex North, 

Odd Fellows Mutual Benefit Association, Lowell, 

Odd Fellows Mutual Benefit Association of Cambridge, 

Odd Fellows Mutual Relief Association of Connecticut River Valley 

Odd Fellows Mutual Relief Association of Worcester County, . 

Provincetown Odd Fellows Mutual Benefit Association, ." 



178 
179 
180 
181 
182 
183 
184 
185 
186 
187 
188 
189 
190 
191 



INDEX TO COMPANIES. 297 



Secret Orders. 

Page 

American Legion of Honor, Supreme Council, 192 

Ancient Order of Foresters (Endowment Fund), 194 

Ancient Order of United Workmen, Grand Lodge, 195 

Bay State Fraternity, Cambridgeport, . • 196 

Equitable Aid Union, Supreme Union of, . . 197 

Golden Rule Alliance, 198 

Home Circle, Supreme Council of, 199 

Independent Order of United Essenians, 200 

Knights and Ladies of Honor, Grand Lodge, ; • 201 

Knights of Honor of Massachusetts, Grand Lodge, 202 

Knights of Pythias (Endowment Rank), 203 

Massachusetts Order of Mystic Brothers, Widows and Orphans Endowment 

League, State Grand Council of, 20* 

National American Association • • 205 

Northern Mutual Relief Association, 206 

Order of the Iron Hall, . . . .207 

Order of United Friends, Imperial Council of, . . . . - • • 208 

Royal Arcanum, Supreme Council, 209 

United Fellowship, Supreme Council of, 211 

United Order of the Golden Cross, Grand Commandery of, . • . 212 

United Order of the Pilgrim Fathers, Supreme Colony, . . . . 214 



Other Beneficiary Societies. 

Bay State Beneficiary Association, 216 

Boston Firemen's Mutual Relief Association, 217 

Boston Police Relief Association, 218 

Bristol County Mutual Aid Society, 219 

Cambridge Benevolent Association, . 220 

Chelsea Mutual Benefit Association, 221 

Eastern Associates, 222 

Equitable Mutual Relief Society, . . . . . . . . . .223 

Fraternal Aid Association, 224 

Franklin Mutual Benefit Association, 225 

Glenmere Mutual Benefit Association, . 226 

Highland Mutual Aid Society 227 

Home Mutual Aid Association, 228 

Kinsley Mutual Insurance Society, ■ . " . . 229 

Lynn Mutual Benefit Association, 230 

Maiden Mutual Benefit Association, ......... 231 

Massachusetts Benefit Association, . . 232 

Massachusetts Life Association 233 

Massachusetts Mutual Aid Society, 234 

Massachusetts Safety Fund Association, 235 

•Massachusetts State Firemen's Benefit Association, 237 

Mechanics' Mutual Aid Society, 237 

Mercantile Mutual Accident Association 238 

Merchant's and Salesman's Benefit Association, 239 

Methodist Minister's Relief Association, 240 

Middlesex and Worcester Farmers' and Mechanics' Association, . . . 241 

Milford Mutual Relief Association, 242 

Mutual Provident Association, 243 

Mutual Relief Association of Massachusetts, ....... 244 

New England Commercial Travelers' Association, 245 



298 INDEX TO COMPANIES, 



Page 

New England Mutual Aid Society, . . . . ■ . . . . 246 

New England Railway Passenger Conductors' Bennevolent Association, . 248 

New England Relief Association, 249 

Peabody Mutual Benefit Association, . . 250 

People's Benefit Association of Massachusetts, 251 

Plymouth Mutual Benefit Association, 252 

Sagamore Mutual Benefit Association, . 253 

Salem Mutual Benefit Association, . . . 254 

Somerville Police Relief Association, . . 255 

Union Benevolent Society of New England, 256 

Union Mutual Benefit Association, 256 

United States Benefit Association, . . . . . . . . . 257 

Warren Fraternal Benefit Association, 259 

Washington Mutual Benefit Association, 260 

Winchester Mutual Benefit Association, 261 

Young Men's Benefit Association, . . . 262